From the desk of: A.J. Shemesh
Hello Credit Repair Seeker:
My name is AJ Shemesh and I here tell to you that taking on the responsibility of Self-Credit Repair is not hopeless - in fact it is down-right simple using the secrets I am about to share with you today!
I have been in the credit/finance/banking industry for over 11 years and I can assure you that dealing with Credit Bureaus is not fun, especially if you have never engaged in a successful credit restoration campaign!
Below. I am going to show you a Credit Repair "CheatSheet" System that you will not find anywhere else!
Like Ean of Pennsylvania who recently discovered....
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Consumer | Victory | Credit
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"Finally A Credit Restoration System That Actually Does What It Advertises - Deletes Charge-Offs, Judgements, Late Payments And Inquires From Credit Reports - Fast"
Also...It will Show You How to Secretly Boost Your Credit Score With One Phone Call And... Show You How To Buy Any Product On The Private Market With Little Or No Money Down!
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A.J. Shemesh is a Senior Credit Restoration
Consultant and Senior Loan Officer for
Acquisitions & Originations for over 11 years
and counting.
AJ has spent the last decade plus, originating
and trading residential and commercial loans
with U.S. Financial & Investment Services LLC,
Empire Mortgage Services Inc and Amerinote
Xchange, LLC.
During this process, he indirectly stumbled on
to consumer credit repair, by directly assisting
challenged credit borrowers in achieving good
credit. This was a 2 part plan: raise the
borrower's credit rating, applying timely and
effective credit repair tactics, in order to secure
a mortgage loan.
It finally dawned on the AJ to translate all
previous findings/credit restoration results and
compile them into a simple - low cost - step by
step CheatSheet system. Enjoy, and good luck
in all of your future endeavors
Who is AJ Shemesh?
A.J. Shemesh
I couldn't finance a shoelace. After
buying and reading through this
system I slowly began to implement
the restoration techniques. Within 52
days I was on my way to successfully
disputing and removing my first large
account, which was my "primary"
credit issue to begin with! If you
have "credit repair" questions about
the "HOW TO", this is your answer."
"I just got out of a
brutal divorce and I had
a very difficult time
with the way that it
affected my credit.
There are many credit repair products out there that are, simply put:
regurgitated and outdated credit repair fads that have been copied,
advertised, recopied and re-advertised over and over again. These
types of so called "credit repair solutions", were probably originated
from some 30 year old book in the self-help section of some public
library.
So now your stuck with a watered-down version of what someone
was supposed to do to fix their credit in the late 1970's. How is that
going to help you in today's fast paced, internet driven, instant
gratification society we live in today?
That's right - bubkus, zilch, zero!
That's exactly the idea I kept in mind when I painstakingly
engineered this Self Credit Restoration CheatSheet
Handbook! Combining all of the strategies, both quick-fix results as
well as slower, more long-term results which covers all angles for a
totally successful credit repair campaign.
"I deleted a huge negative account in only 52 days!"
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I Going to Show You How to Boost Your Credit Score Step by Step, Even If You Are Facing Bankruptcy, or Have A Repo, or... Even If Your Lazy!
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You Will See Results Within 1 to 2 Billing Cycles!
How's That for Instant Gratification?!
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These techniques are so potent that I have no doubt that you will
see results within 30-40 days - guaranteed! The reason I am so sure
is because I have seen it work 1000 times.
OK, are you ready? Here it is:
Secretly Boost You Credit Score With One Phone Call! That's
right one phone call. Completely legal information you will not find
anywhere else!
Don't get me wrong, this is by far the easiest and quickest way to
boost your credit score as high as 150 points in 30-35 days! In saying
that, there are a multitude of time-tested tactics (some would say
guerrilla tactics), which are included in what I'm about to show you.
What You Will Learn From My CheatSheet System
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The Inner Workings of the Credit Industry - First Hand Experience
How to Understand and Implement Debt Management Tactics
Dozens of Customizable Repair Letters to the Credit Bureaus
How to Stop Collection Agencies from Calling You - Dead in Their Tracks
How to Order A Copy of Your Credit Report - Step by Step
How to Read Your Credit Report (Credit Kit Includes Sample Reports)
How to Handle "Old and Open" Accounts With No Balance
How to Understand "D.T.C." (Debt - To - Credit Ratio)
Step by Step Directions on How to Dispute Negative Credit
Understanding Your Legal Rights as a Credit Consumer
Steps to Raising Your Credit in 10-30 Days
How to Delete Late Payments and Past Due Accounts
Understanding Your FICO/Credit Score
Understanding the Credit Bureaus and How They Operate
How to Handle Old Items on Your Report
Conquering Bankruptcy
Conquering Judgements
Conquering Liens
Conquering Auto Repossessions
Negotiating With Creditors
How to Purchase Any Item with Bad/No Credit & Little to No Money Down
How to Increase Your Chances of Securing a Mortgage and an Auto Loan
1st Timers Info on How to Navigate the Credit Industry
How to Increase All 3 Credit Scores With One Simple Phone Call
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My FICO Score Took A Major Dive After The Banking Crash In September 2008
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Many people are completely and utterly stuck as a result of bad credit,
especially after the credit/banking crash of 2008. What a mess. No
one got out unscathed, including me!
That's right.
This is exactly why I am 100% certain about my credit restoration
tactics and their effectivness. After years of helping others with their
financial and credit restoration needs, I had to help myself after my
WaMu account was suspened by the bank who purchased WaMu in a
late 2008 fire sale - Chase.
So Chase Bank comes in about a month after the purchase and tells
me that: "we realize you have great credit and you pay your bills on
time for the life of the account (2 1/2 years), but we decided to freeze
your account from this point forward until further notice", because we
are not making any money on you - basically.
What? I was livid! I've paid my bill every month for the life of
the account - for what?
But what can you do? If you stop paying them your credit rating goes
in the toilet and if you do pay them what you owe on a suspended
account, your credit rating still goes in the toilet because the account
has been suspended. That's exactly what happened - my score took a
110 point nose dive!
It breaks the heart, but I immediately initiated my repair tactics I know
so well, which work many times in the past. And you what, I recovered
from a 110 point nose dive in 34 days flat! Granted I pulled out all the
stops, but that's the point, right? To repair your credit report with
confidence!
Learn from my experiences, so you don't go belly up credit-wise or
go broke in the process from paying a credit repair clinic for something
that you are perfectly capable of doing on your own, for free!
Hey AJ, Why Not Use A Credit Repair Company?
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Credit Repair Companies have been under a lot of fire recently for
misleading the consumers they claim to be helping. Listen to what the
FTC has to say on the matter (taken directly from their web page titled:
Credit Repair: How to Help Yourself):
"The truth is, these companies can’t deliver an improved credit report
for you using their tactics. So after you pay them hundreds or
thousands of dollars in fees, you’re left with the same credit report and
someone else has your money".
Need I say more... OK, if you insist.
Fact #1 If a credit bureau suspects that your dispute is being filed through a credit repair company, they'll trash it.
Fact #2
Credit repair specialists may be in cahoots with your creditors. Many of them are secretly paid as much as 15% by the creditor to reach a so-called "debt settlement!" Who do you think comes out ahead in that scenario? Not you! Such credit repair companies exploit their client's financial woes.
Fact #3
Credit repair specialists usually won't give you access to their correspondence with the credit bureaus on your behalf. Why? Here are a few reasons:
(1) They don't want you to know how easy it actually is to do your own credit repair, and wonder why you're paying them.
(2) If they do resort to underhand tactics (which has been the case for many), they won't think twice about the consequences in your good name.
(3) The ones who are scamming you only pretending to correspond with the credit bureau on your behalf surely don't want you to know they're not doing much in exchange for the hard-earned fee you forked over.
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"Facts"About Credit Repair Companies
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Step By Step Credit Restoration Tactics A 5th Grader Can Follow...
All You Have To Do Is Read, Cut & Paste!
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My Self Credit Restoration CheatSheet HandBook is over 80 pages of a step by step credit repair strategy - without spending thousands of dollars on professional credit repair services or attorney fees.
My Credit Repair System contains - easy to read text - step by step instructions a 5th grader could follow and the fastest way to fix your credit your score - period.
If you have bad credit - you financially belong to the creditor. You then become financially crippled - thus stuck!
My credit repair system contains dozens of customized Credit Repair Letters for many credit repair situations that may arise. My letters can be mixed and matched to custom fit your self credit repair goals. Our downloadable credit repair system really allows you to speed up your credit repair progress with confidence and ease.
All you have to do is Cut & Paste
Using a proven surgical-like approach - to cleaning your credit report fast...
My extraordinary system for explains - how to approach the 3 major Credit Bureaus the right way - when disputing your credit accounts.
These credit repair tactics - Proven real world experience - easily translated into plain and simple step by step instructions - for all people to quickly realize. Take the first step to fixing your credit yourself.
Save your money and invest you time instead...
Also, revealed - the one Guarded Credit Industry Secret that must be used to speed up your progress quickly -
Boosting your Credit Score with One Simple Phone Call!
What are you waiting for?
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Do You Realize The Money You Could Be Saving With A Good Credit Rating?
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30 YR Loan on $100,000 House Interest Paid (over life of loan)
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Pretty amazing and sicking at the same time, huh? Amazing in the
sense that once you download this system, you to can save that kind of
money over the life of a loan. Sicking in the sense that - WOW I can't
believe how much money I stand to lose if I don't do something quick!
And that's why your here now - to get the ball rolling on repairing your
credit report - pronto!
Two Quality Content Bonus Chapters That You Will Not Find Anywhere Else!
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It takes many years of learning credit bureaus and learning the inner
workings to easy credit repair.
Learn from my mistakes...
The most insignificant credit repair action to you, may really be something
that can set you back - huge. That's why you need to chose your
information wisely. That's why my Credit Repair CheatSheet System has
been engineered around these principals.
Real credit repair tactics from real credit repair
experience - spelled out step by step.
Avoid spending hundreds if not, thousands of dollars on credit repair
companies. That also goes for the run of the mill debt consolidation
scammers as well.
Sheep for the herding which means - your hard earn
cash for the taking.
Downloading our Credit Repair CheatSheet System and using our
step by step credit repair tactics doesn't only boost your credit score and
open financial doors, but it also builds a tremendous amount of
confidence that was not there before.
Completing a set goal like Destroying Debt & Boosting Your Credit Score
is a real accomplishment!
self
Being Crippled Financially And Watching The Debt Pile Up,
To Leveling The Playing Field And Becoming Debt Free
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I have been examining borrower credit reports and dealing with the
credit bureaus for over a decade and I assure you, credit is a very
important "thing" to consider if you ever want to:
These above mentioned items may be considered luxuries to a large
percentage of people which means that, without a steady stream of
cash you may have a hard time if you ever needed:
As mad as it makes some of the people reading this now, I am proud
to say that the is an easier way! Stop dreading the future based on a
bleak and negative credit report which gives you and the people you
may care for, nothing to look forward to. Imagine if you can be
assured that your credit will go up at least 100-150 points in as little
as 30 days? No more worrying about fixing the engine on the old
beater or fretting over getting that apartment you want so bad, or
even getting that dream job!
No more sleepless nights over debt and bills! You are so close to
receiving the information that will allow you to completely take control
of your bad credit situation and in essence, take control of your
future. Make it happen today!
Apply for a mortgage
Buy a car
Land that great job (yes, credit may affect you ability to get a job
with a growing amount of companies these days)
Rent an apartment/condo
Buy a big-screen plasma HD TV
To buy a furniture set
Go X-Mas shopping for the family
Buy groceries
Or any other mandatory need one can think of
Oops, I Fell Right Into The Debt Trap!
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Sound familiar? It's happens to the best of us.
Many people can relate to the words "Debt Trap" because every
day we as consumers, are fair game for the advertising "warfare" like
campaigns we are exposed to on TV, the radio and of course the
internet (by the big-wigs sitting high in their board rooms).
Now, now, I am not going to start in on the corporate greed/control
and all that good stuff, so we can stay on track here.
I talking about the targeting of students and young adults
(aggressive ad/PR campaigns that started in the early 1990's and still
continue to this day) that don't have the faintest idea how credit
works, let alone managing it.
I talking about no public education systems on credit and how credit
should be handled, especially for young minds. Imagine if we all knew
how the credit system works by the age of 18. Most of us would not
be in this mess to begin with! By the time some of these kids are 19
the could be in debt as deep as $20,000 - I've seen it!
Nowadays, it is easier for even a "well capitalized" person to fall into
the debt trap virtually overnight.
Think about it - you have a family, you doing great and boom -
massive banking, credit and financial melt-down in the US.
The primary bread winner loses their job and starts living on credit
cards to support the family after they blow through the savings
account because the house they live in is now going into foreclosure
due to an ARM loan maturing and currently adjusting wildly. This
person would be bankrupt in less then 5 months! It's 0 to 60 in 2
seconds which causes a "financial whiplash"!
Whatever you situation may look like, the debt trap is as permanent
as you make it. This means, some people will decide to live with it and
just get by (barely), while others refuse to believe that their future is
going to look like this any longer, and they take action.
Are you ready to take action?
Also for a limited time, you will receive two essential bonus chapters
with my CheatSheet System titled:
Bad Credit Buying Power
Secretly Boost Your Credit Score w/1 Phone Call
This new edition bonus chapter titled: Bad Credit Buying Power, discusses
the many secrets to purchasing items with bad/no credit and little or no
money down. This information will show you how to buy anything sold on the
private market such as: a home, a car, a motorcycle, a mountain
bike, a plasma TV, furniture, or even an RV!
This second edition bonus chapter (created in 2007 ) titled:
How to Boost Your Credit score w/ One Simple Phone Call,
discusses the one credit restoration secret that the mass public simply does
not know exists! Applied correctly and timely, the results can be massive -
Even If Your Lazy!
This chapter alone is a $67 value, absolutely 100% FREE!
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This chapter alone is a $67 value, absolutely 100% FREE!
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Here's What People Are Saying In Their Own Words
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"I only used the Phone Call strategy
(because I'm lazy), and I increased my score
in 1 billing cycle. After 3 billing cycles,
I raised all 3 scores, one of them being 150
POINTS!
I'm sure once I get around to the letters I
can buy anything I want on credit - this I
know.
Thanks AJ!"
"All I used was the Bonus Material and my score went up 150 POINTS!"
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C.G. Dicicco JR
Herdon, VA
"I went from a 515 Credit Rating to a 636 Credit Rating Just Mailing Letters"
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"I had a 515 credit score in May 2009.I did
not have the money for credit repair
services.
When I finally decided to take action, I
discovered this CheatSheet system online. I
am skeptical by nature, so when I saw that
this stuff really works I was in shock. I
now have a score of 636! The best $$$ I ever
spent".
Mary K.
Charlotte, NC
"I was a victim of ID theft. I have been
recovering from that for the past 6 months.
When I read this info about, increasing your
score w/ 1 call and how that works, my mind
was blown. I had no idea!
I couldn't of done it with out the help of AJ
and his staffers at Consumer Victory Credit.
"My mind was blown after reading the chapter about Boosting Your Score w/ 1 Call!"
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Anthony
Boston, MA
It's Really As Easy As 1, 2, 3...
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Once the letters go out, simply sit back and wait for the
deletions to occur. It's a great feeling once you see those
deletion letters filling your mailbox one after another.
There is absolutely NO reason that you should pay someone to
perform such a simple and easy task, for the cost of a couple
of postage stamps! The best part is, you do not need to know a
lick about credit repair to successfully accomplish this feat -
that I promise you 100%!
To be completely frank, my system is only thing that truly levels
the playing field for the "little guy" trying to give their credit a
great big boost. That's what I call a Consumer Victory!
Get Your Free Credit Report - I'll show you how...
Enter Your Name, Address, and Negative Credit Accounts onto the template
Mail the letters
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Gaining More Than A Great Credit Score
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Heres A Look At What You Will Get
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#1 Self Credit Repair CheatSheet System (80+ pages Raw Data)
#2 Copy & Paste Credit Repair Letters
#3 Glossary of Terms (Hundreds of Terms)
#4 Bonus Chapter #1 - Bad Credit Buying Power
#5 Bonus Chapter #2 - Secretly Boost Credit Score With 1 Phone Call
_____
_____
_____
_____
_____
For A Limited Time You Pay Just: $37
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Yes AJ, I Ready To Get My Copy Of Your
Self Credit Restoration "CheatSheet" System
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SSL Secure Through ClickBank
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P.S. Don't let your credit situation spiral out of control only to leave you utterly
defeated in the end - Instead of pouring money into "credit repair companies" and
risking becoming another credit scam statistic - save yourself the time, the
headaches and more importantly - the money.
Claim your copy of The Self Credit Restoration CheatSheet System now.
P.P.S. We are a real company and we are here to stay. We will answer your
questions 24/7/365.
P.P.P.S. Don't wait for your credit score to magically go up due to a mistaken
identity. It doesn't happen - Take the first step and fix your credit yourself by
downloading our Credit Repair CheatSheet System now!
SSL Secure Through ClickBank
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Consumer | Victory | Credit.com
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AJ Shemesh
"No fluff! Right to the solution right off the bat - couldn't be happier!"
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Thanks for NOT adding any fluff
and making it so easy to
understand.
I started hitting it from all
angles and utilizing the entire
system. I couldn't be happier!"
Sean Colburn
San Simeon, CA
"My score shot up 75 points is 37 days!"
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"My husband bought your system
in the summer (2009) and 4 1/2
weeks after we started to send
the letters, I received my
first deletion letter from
TransUnion.
I was tickled to death! Thank
you soooooo much."
Natalie Brownswick
Bristol, PA
Adam Franklin
Chevy Chase, MD
"I went from a 523 to a 636 in 43 days! Thanks AJ..."
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"I was never one for paying my
bills on time - ever! This was
probably why I was stuck w/ bad
credit. I saw this system
online and bought it. Within 43
days I am creditworthy for the
first time in years. Thank you!"
Devon S.
Boone, NC
"I was in debt $8k by sophomore
year! I found the CheatSheet
System online and put it to
work.
I sat back and sure enough, I
started to receive deletion
accounts, just like AJ said. "
"I was drowning in debt in May and now I'm Debt Free!"
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of consumers have errors or inaccurate information on their credit report.
Source: EMSI
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75%
Raymond
Kingman, AZ
"AJ, you blew my mind with Bad
Credit Buying Power stuff.
It is so simple and powerful,
yet no one talks about this
more. If people knew this, we
can cut the banks out for good!"
"Bad Credit Buying Power REALLY WORKS!"
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Julian Heggell
Lebanon, OR
"I shelled out a pretty penny
to a certain credit repair
company and got nothing but
broke.
Forget that stuff! I used AJ's
CheatSheet System and never
thought twice about bad credit
scores again."
"Forget spending money on credit repair companies - this is it!"
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of credit borrowers have no idea that they have 3 Credit Scores
Source: TrueCredit
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56%
Kennedy L.
Bucks County, PA
"I tried 2 other credit repair
systems and none of them
compare to the tactics
illustrated in AJ's system -
hands-down.
You have my thanks - well done."
"CheatSheet came out on top, I tried 2 other credit repair products"
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Calvin
Blythe, CA
I am as skeptical as many
people are when they hear such
claims but dude, you did it! My
score shot up 85 POINTS!
Great system - job well done."
"I can't believe I went up 85 points in 2 months!"
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.
Source: Better Business Bureau
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"Everything A
Credit Repair
Clinic Offers,
You Can Do
Yourself At
Little Or No
Cost..."
"I am the proud owner a 2007
Tiburon and I'm loving life. I
screwed my credit up in college
big-time! I thought the rents
were going to kill me.
System, I just got a great % on
my auto loan!"
"I just bought my first new car using your CheatSheet System!"
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Dave Persans Jr.
Sunnyvale, CA
Dee-Dee
Hayward, CA
"It felt hopeless for so long,
but all I had to do to fix my
credit was to: copy and paste
letters and make a couple of
phone calls! It went up 90
points
Hella Awesome, Hella Simple!"
"My credit was so bad, I should have been arrested"
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of consumers have no clue how a credit score is determined
Source: TrueCredit
|
90%
$97
$67
$27
$67
$67
Secretly Boost Your Credit Score With
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"The truth is, these companies can’t deliver an improved credit report for you using their tactics. So after you pay them hundreds or thousands of dollars in fees, you’re left with the same credit report and someone else has your money".
|
4.75%
$147,555.33
$279,296.00