With Better Credit-

YOU Have a Better Life!

Discover How To Get a Perfect

Credit Report Fast, With

"The Credit Secrets Bible"


53 Insider Credit Secrets



Re: Consumer Update

"The Credit Secrets Bible"

Dear Consumer,

If you would like to pay off all your bills for as little as 27 cents on the dollar and build a perfect credit report, regardless of your current credit situation, this is going to be the most important letter you will ever read.

Here is why: my name is Ken Davis and Iíve spent the last 9 years working as a highly paid Credit Consultant. I have helped hundreds of consumers just like you get the credit they deserve in order to start enjoying the finer things in life.

With a perfect credit report, cars, homes, credit cards (and almost anything) can be yours RIGHT NOW. It doesnít matter if you have no credit or BAD CREDIT. Once I reveal the 53 insider secrets of the credit system you can amass thousands of dollars in credit and credit cards very quickly. Let me prove it to you.

Your Problem...

If youíre like most Consumers, your problem right now is that you DONíT know "HOW" the system works. For example...

Are you aware that the credit report
banks and businesses get to see
has about TWICE the financial information
compared to the credit report
you receive from the credit bureaus?


Thatís right. In most cases, the credit bureaus send a much more detailed report to businesses than they send to you. A bit deceiving, isnít it?

This is why banks and businesses (except mortgage lenders) will NEVER give you a copy of "your" credit report. Nope. Theyíll look you in the face and tell you to request your own copy from the credit bureau (If you donít believe me, next time you get turned down for credit, ask them for a copy of your credit report and see what they say).

The credit system is full of "little secrets" like this. Most people find them frustrating. However, I enjoy showing consumers like you how to take each one of these secrets and use it to your advantage. For example...

Regardless of your current credit situation,
Iíll show you how itís possible to delete negative items off your credit report, fill your wallet full of credit cards and build a credit score so high even your banker will be impressed!


Like many of my clients, donít be surprised if your friends and family begin begging you to take their money to help them build their credit once they see how youíre able to "work" the system. Believe it or not, fixing and building your credit is just like anything else in life;

Itís Easy - Once You Know How...

I love revealing the secrets of the credit system so people like you can gain an unfair advantage in the financial world. Itís very rewarding. More importantly, I cherish the phone calls I receive from clients who have been able to turn their lives around by getting approved for the Cars, Homes, Credit Cards and Business Loans they never thought they could get.

Letís face it. Weíve all had some credit problems in the past, but donít let it get you down. If you can read this letter than you have what it takes to learn every secret I will share with you in an exciting new home study course called "The Credit Secrets Bible".

I guarantee "The Credit Secrets Bible" will absolutely knock your socks off! In one evening youíll know more insider credit secrets than most Millionaires alive today. With "The Credit Secrets Bible" you are going to learn:


Five secrets every Woman must know before signing any credit application (if youíre married youíll want to read this first!).


The "3-Step System" some Attorneys and Credit Repair Clinics charge $795.00 to repair your credit (and how you can easily do it yourself for FREE once you know how!


Three simple secrets to start getting dozens of "Pre-Approved" credit cards in your mail box (powerful facts about how cell phones, mail boxes and moving affect your credit report!).


Why paying off your credit cards in full each month actually gives you LESS credit (learn exactly how much to charge and how much to pay each month to build your credit as fast as possible. Most bankers donít even know about this financial strategy!).


The TRUTH about those "Free Government Money" ads you see and the two things you must know BEFORE claiming your share (info thatís worth itís weight in gold!).


All about your Credit Score (Fico, Beacon and Empirica) and every little tactic you need to "Shoot it through the roof" (use these secrets to save up to $5496.00 on your next car and up to $98,301.60 on your next home!)


The secret to buying your first (or second) home with NO MONEY DOWN (Donít pay hundreds of dollars for this info when itís included FREE in my course!).


Copy and mail this one short letter thatís guaranteed to STOP all harassing collection agency calls forever (special Federal law bill collectors hope you never discover!).


Donít pay $29.95 to get copies of your credit reports (use this neat little trick to get all 3 of them for FREE!).


How to save up to $100,000 or more in mortgage interest without refinancing (a must have secret for current homeowners and first time home buyers!).



For The First Time Discover How Easy it is to ďWork The SystemĒ With More Insider Secrets Found NOWHERE ELSE Except
ĎThe Credit Secrets Bible!í


How to DOUBLE any credit card limit with 2 phone calls (these could be the best two calls you will make this year!).

The incredible "Piggyback Method" to get up to 10 years of excellent credit history added to your credit report in less than 90 days (another one that can be worth the entire cost of the course!).

What banks and credit card companies donít want you to know about bankruptcy (good news if youíre thinking about filing Chapter 7 and great news if you already have!).

How to borrow up to $10,000 or more for one year and pay ZERO interest (so simple youíll wonder why you never thought of it!).

The stone cold facts you need to know about Chapter 13 Bankruptcy (a must read for anyone even considering this option!).

Credit Repair Attorneys $1,000 secret to removing Bankruptcy, Tax Liens and Judgments from your credit reports (and how you can do it yourself for less than $20.00!).

How refinancing your home at a lower interest rate can actually COST YOU thousands of dollars (you wouldnít believe how many people discover this ONLY once itís


Two secrets you need to know before calling ANY Consumer Credit Counseling Service or Debt Consolidation Company (if only everyone understood these simple facts!

How consumers like you have erased 100% ACCURATE bad credit from their credit reports in 30 days (top secret info the credit bureaus donít want you to know!)

Two "Unique Letters" you can use to PAY OFF your bills for as little as 27 cents on the dollar (Donít even think about calling Consumer Credit Counseling or filing Bankruptcy until you see this!)

One easy phone call that will slash your credit card payments in half (a life saver if you are "up to your neck" right now!).

Why being self-employed hurts your credit report and the easy remedy to get around this discrimination (plus lower your taxes to boot. You may fire your Accountant for not knowing this clever insider technique!).

How to buy the car of your dreams right now regardless of your current credit situation (life is too short to NOT drive your dream car - now you can!).

How to get a checking account in "one week" even if youíve been reported to Chex Systems (No more hassling with money orders!)

"The "Credit Secrets Bible" contains more step-by-step, easy-to-learn, easy-to-use insider consumer credit secrets than any other home study course on the market. In fact, the information in "The Credit Secrets Bible" is so powerful, we have to disclose to you upfront that it is sold for informational purposes only.

If you donít already know, Iíll be the first to tell you that the banks, finance companies, bill collectors and credit card companies are the BIGGEST crooks in the world. If you donít know the secrets contained in "The Credit Secrets Bible" you will pay tens of thousands of hard-earned dollars in extra bills, interest and fees etc. Your money will be wasted (down the drain) for no reason other than you donít own "The Credit Secrets Bible" home study course.

Banks and other institutions who take your money, ruin your credit or deny you the money you need are very powerful organizations. They make a business out of hurting people like you to make more money for themselves. And, the more they hurt you financially, the more powerful they become. But they wonít be able to hurt you anymore! With "The Credit Secrets Bible" Iíll show you how to stop them dead in their tracks!


Attorneys and Credit Repair Clinics
LOVE Mis-Information



Banks and credit bureaus want you to believe that once your credit report is scarred with bad credit marks there is NOTHING you can do about it. They will tell you THE ONLY THING that can repair a bad credit report is time.

Nothing could be further from the truth!

Attorneys and Credit Repair Clinics love this kind of misinformation. Itís this mis-information that keeps consumers signing up for their credit repair services year after year (to the tune of $795 a pop).

I donít want to bash Attorneys or Credit Repair Clinics because some of them actually do a great job at fixing peoples credit reports. However, I do want you to know THE TRUTH about how they do it.


3 Little Secrets Attorneys
and Credit Repair Clinics
DONíT Want You To Know...


Attorneys and Credit Repair Clinics have 3 little secrets. Itís these 3 secrets that keep them in business. First, when it comes to ANY negative marks on your credit, the big secret they donít want you to know is this...



CAN REMAIN on your credit report
is NOT what is accurate, but what the Credit Bureaus CAN PROVE TO BE ACCURATE under the Fair Credit Reporting Act
(you may want to read that again)

Second, they know that the "burden of proof" falls on your Creditors and the Credit Bureaus and NOT you. Third (this is the real key), they understand how to write correspondence (a fancy term for LETTERS) that makes this "burden of proof" very difficult for your creditors and the credit bureaus to prove.

  And, anything your creditors and the Credit Bureaus CANíT PROVE must be permanently REMOVED from your credit reports-itís the law!

The Fair Credit Reporting Act (F.C.R.A.) is a consumer protection law that makes this all possible. Fortunately (for you), it was written in your favor and NOT that of your creditors or the Credit Bureaus.

The problem is that almost nobody ever learns how easy it is to take advantage of it. So, why am I sharing this with you? Itís quite simple. With "The Credit Secrets Bible" you can improve your credit better and faster without having to pay $795 to an Attorney or Credit Repair Clinic.

Save $795 Instantly
ďThe Credit Secrets BibleĒ

Attorneys and Credit Repair Clinics would like you to believe the only way to fix your credit is through them. The truth is you can improve your credit better and faster yourself. Again, I donít want to bash Attorneys or Credit Repair Clinics...

If you are a busy person who has more money than time than an Attorney or Credit Repair Clinic may be the ticket for you (feel free to call our offices for a referral). However, if youíre like most folks, you will do better, a lot better, on your own. Hereís why...

The REAL power of their service is in THEIR LETTERS

 not the fact they are doing

ďthe workĒ for you!

I believe the Federal Trade Commission agrees with me on this with the following quote: "Everything a Credit Repair Clinic can do for your legally, you can do for yourself at little or no cost".

All the power is in their letters. The letters simply leverage THE LAW in your favor. If you have THEIR LETTERS it does NOT matter whether a high powered Attorney mails them or if a high school drop out mails them!

To prove this point, years ago I had a client who was using a Credit Repair Clinic. Having paid $795 she was curious and didnít think it was "out of line" to request the letters they were using since she was paying good money for the service. Can you guess what the Credit Repair Clinic told her? They sent her a letter stating...

"We are unable to share our letters
with our clients as they contain
proprietary trade secrets to our service"

The Credit Repair Clinic knew that if she had the letters (and some basic knowledge) she would no longer need them because the real power wasnít in their service - it was in THEIR LETTERS!

$500 Worth of Attorney Created

Credit Repair Letters - FREE!

With "The Credit Secrets Bible" you are going to receive every letter you need to get started fixing your credit fast. These are the same concepts Attorneys and Credit Repair Clinics use and they are GUARANTEED to get you results!

We had to pay our Legal Counsel over $500
to draft these letters and now...Theyíre yours FREE!

In some cases you could be just a few postage stamps and envelopes away from solving ALL your credit problems. Itís happened to other clients and it could happen to you! These letters are that powerful. We guarantee it...

Youíll also receive easy-to-read and easy-to-follow, step-by-step instructions on how to use these letters for your own personal situation. These letters and proven strategies will have your creditors and the credit bureaus literally "wrapped around your pinky" trying to validate and verify every minute detail on your credit report. And remember...

Anything they canít validate 100%
will have to be PERMANENTLY removed from your credit report

  I guarantee you will be amazed at the potential of these letters to delete negative items from your credit report fast. Remember, we guarantee it!

What Satisfied Clients

Are Saying About
"The Credit Secrets Bible"

I could talk for hours about all the different amazing life-changing information found in "The Credit Secrets Bible", but this is the point where I believe itís best for me to just "shut my trap" and let a few of our satisfied clients do the talking:


"The Credit Secrets Bible"


I am very impressed to say the least.  Iíve tried all kinds of credit stuff, credit card brokers, and the like and this is the only one that has actually helped me get credit.  Thanks again
Ria Castella, New Jersey

I was a welfare recipient living from check to check when I purchased your system on borrowed funds from my mother.  I was skeptical but desperate and I figured that if you could do it then I could.  To make a long story short I got my first credit card for $2,000.  The week after that I got one for $1,300.  I average about and just two days ago I got another one for $3,750.  I just want to say thank you.  I literally went from broke housewife to now having some financial freedom.  Iím still amazed.
Allison McLaughlin, Georgia

I read through your complete Credit Secrets Bible. Iím so excited.  If it werenít for a friend of mine whoís got a brand new credit file, I wouldnít have bothered. Thanks for being real.
Vern Hughes, Illinois

My first credit card was $700.  My second credit card was $400.  My third credit card was $1,750.  Just thought Iíd keep you posted on my progress.

Kevin Sinclair, New Jersey

Thank you for making a strong impact on my life.  I was completely impressed with he Secret Credit Weapon.  Both my husband and I began working the program.  Itís very easy to understand and very easy to work the steps.  Thank you for that.  Anyway weíve been doing this now for almost a month and so far, like you said, weíve already passed the $10,000 mark.  Thank you so much.  I appreciate everything youíve done.

Kimberly Bryant, Ohio
This valuable information really changed my life.  I was laid up from my job as a truck driver because I hurt my back.  I was worried that Iíd lose everything.  Then I got your little letter deal in the mail, ordered it and now Iíve gotten over $7,000 in credit so far!  If I can do it, anyone can do it.  P.S.  Never did I think the day would come where most of my days would be spent on the water fishing without a worry while my back heals.
Jim Atkinson, Florida

Thank you for the incredible business.  By far this is the best credit system that Iíve had the pleasure of coming across.  Iíve failed with others before but as soon as I started using yours I started getting credit left and right.  No second-guessing, no trying to figure anything out.  Thatís what I loved the most about it.  Itís a complete system like you said.  Thanks for finally helping me make rebuild my credit!
Kent R. Wallace, Massachusetts


ďUsing several techniques in ĎThe Credit Secrets Bibleí I was able to raise my credit score 40 points. This 40 points allowed me to secure a mortgage rate 2% lower than before. On a 30 year mortgage this is going to save me over $50,000!Ē.

John Jenko,  California


OVER $18,000 IN CREDIT...

ďHaving no credit I couldnít get approved for anything. I had to put up $500 just to get a cell phone. Then I ordered your package and quickly read the manual and listened to the audio program several times. I was amazed by all the inside info I learned. I quickly began applying the techniques and less than 18 months later I have built up over $18,000 in unsecured credit. This stuff works if you work itĒ.

Tyrone,  Jackson Michigan


Let Me Show YOU How to SAVE
up to $102,430.11
Knowing What Your Neighbor DOESNíT!

If you only get one thing out of this letter today, let it be this; if youíre like most people, the two biggest purchases you will EVER make in your life will be your DREAM CAR and your DREAM HOME. Right?

With the "The Credit Secrets Bible" you can save up to $102,430.11 (or more) on just these two purchases alone. How? By learning the secrets to building a great credit report and qualifying for the lowest interest rate.

Hereís how: letís say the loan amount on the car you buy is $20,000 and the payments are for 5 years. On the graph below you will notice that with great credit versus bad credit you will save $5496.00 on your car alone!


Total Interest You Will Pay on a $20,000

Car Loan Over 5 years


Your Credit Status

Interest Rate

Interest you will Pay!

Bad Credit



Great Credit



                           You Save!   $5,496.00


 Now letís talk about your dream home...

Letís say the loan amount on the home you buy is only $200,000 and the payments are for 30 years. On the next graph you will notice that with great credit versus bad credit you will save $96,934.11!

Total Interest You Will Pay on a $200,000

Home Loan Over 30 years


Your Credit Status

Interest Rate

Interest you will Pay!

Bad Credit



Great Credit



     You Save!   $96,934.11


As you can see, between your dream car and your dream home your bad credit will cost you $102,430.11! This is $102,430.11 banks will make off you just because you wonít qualify for the lowest interest rates due to your credit status. Donít be like the uninformed and let this happen to you...

These are the "nitty-gritty" numbers most people DONíT take the time to think about-will you? If you donít it will cost you thousands! Order "The Credit Secrets Bible" for your review today. If Iím right, youíll come out at least $102,430.11 ahead! If Iím wrong you lose NOTHING...


100% Risk-Free ďJust Look It OverĒ
Money-Back Guarantee


Look, the cost of "The Credit Secrets Bible" is extremely low compared to what you get and how much it will change your entire outlook on life. However, I donít want you to take any risk in ordering it. Therefore, I have a 100% Risk-Free "Just Look It Over" money-back guarantee.

This means I wonít make you send me "evidence" you used it, or take a dumb test to "prove" you even read it, and I wonít make you "keep it for 90 days" if youíre unsatisfied, or "jump through hoops" to get a stupid "Return Number" in order to return it. No. This may sound funny but...

I intend to treat you
like I would like to be treated!

Hereís how the guarantee works: order your copy of "The Credit Secrets Bible" home study course today. It will be shipped out to you within 48 hours by speedy First Class Mail. When you receive it, just look it over and listen to the Companion Audio Program. Get excited and have fun discovering all the credit secrets that I guarantee will change your entire outlook on life forever...

If you want a new car -

          YOUíLL GET IT!

If you want a credit card -              YOUíLL GET IT!

If you want your own house -              YOUíLL GET IT!

If you donít agree after just one evening that you know more insider credit secrets than most Millionaires alive today or, are unsatisfied for ANY reason (or no reason at all), simply return it within 3 Months from the date of shipment for a FAST and FULL REFUND. Thatís right. I said a FULL REFUND.

Unlike everyone else, I will NOT deduct any shipping, handling or restocking fees. I will assume all the risk guaranteeing a 100% refund. Fair enough?

To order

"The Credit Secrets Bible"
is easy. Your order will be shipped within 48 hours


The total amount you're required to pay The United States Post Office is $67.75 cash or money order. If you're not home when your mail carrier arrives they should leave notice for you on your door or in your mail box. This notice will ask you to visit your local United States Post Office to pay for your "Credit Secrets Bible" package. Your "Credit Secrets Bible" package should arrive in one to five days after you get this letter.

If you would like to mail a check or Money Order all you have to do is write your Contact Information and the words "Credit Secrets Bible" on a piece of paper and send it with your check or money order for Sixty-Seven Dollars and Seventy-Five Cents to:

National Associated Services

1800 mineral Spring Ave. Suite 151

North Providence, RI 02904


NOTE: Checks and Money Orders should be made payable to: National Associated Services, please do NOT mail cash.

Thatís all there is to it. As soon as we receive your order, we will rush you "The Credit Secrets Bible" home study course by First Class Mail (checks are held for bank clearance).

P.S. Keep in mind that you are protected by my 100% Risk-Free "Just Look It Over" Money-Back Guarantee. This means you can "Just Look It Over" for up to 90 days with NO RISK. If it's not for you just send it back for a 100% refund of your $67.75. No questions asked and no hard feelings...


OK! I am ready to get my own copy of the "Credit Secrets Bible!"