Do You Have A Poor Credit Rating But Desperately Need A Loan?

Are you someone who feels completely helpless because you have a poor credit rating and can't seem to get a loan? Being able to secure a loan would actually solve your credit problems and see you on the road to recovery. However, because of a poor credit history or poor credit rating, no lender in their right mind would ever consider you for a loan!

I'm sure that is a very familiar story for many of you. I know myself it is one of the worst feelings that you can ever have. I recall the days of having a fairly decent job and being offered credit left, right and centre. I'm not sure why, but I pretty much accepted all the offers of credit cards or loans. I think it was something to do with the “kid let loose in a sweet shop” scenario. The repercussions never really occurred to me at the time, so I continued to take out credit card after credit card and loan after loan.

If you can't wait any longer to secure a loan then Click Here to register for the "My Miracle Loans" program right now. For those of you who wish to read my story and review, you can access the program at the end of this article.

I think the effects of what I was doing finally hit me a few years down the line. I started to use less and less credit every month and tried to act a lot more responsibly. However, I had got to the stage where my minimum repayments for all my credit was pretty much the same amount as what I earned in a month. I once read a magazine article that stated – in order to repay $10,000 on a credit card, by just making the minimum payment, this would take up to 12 years. Wow! Unfortunately it wasn't just the one credit card I had to repay!

That's when it dawned on me that I had to do something...and quickly. After some careful investigation, I decided a debt consolidation loan and a couple of 0% APR credit cards was the way to go. I had racked up a total of $26,000 in debt. I looked at my current credit card limits and assumed I wouldn't get offered more than a $5000 dollar limit on a new credit card. So my plan was to apply for two 0% APR credit cards and a $16,000 loan. This would allow me to cut up all my credit cards and have all my debts cleared within 5 years. Or so I thought, I didn't count on getting declined for every bit of credit I applied for. My credit score was shot and at an all time low!

That's when I started searching for different methods and other forms of help. Nothing illegal, of course. I just thought to myself, I can't be the first person to find themselves in this situation and I definitely won't be the last! I actually found a total of 8 different companies, courses or websites, that said they could help and even provided me with testimonials of previous satisfied customers. Today I want to talk to you about My Miracle Loans.

My Miracle Loans is a program that will teach you a number of different strategies to obtain a loan. They advise you to read through their techniques and apply what you have learned. My Miracle Loans guarantee a 100% success rate, as long as you carry out their systems and procedures to the letter! They have helped people, like you and me, those with poor credit ratings, bad credit and even bankruptcies to secure credit and finance. My Miracle Loans are responsible for helping their members acquire over $10,000,000 in loans during 2008. They also claim to be able to help anyone secure a loan of $1,000 - $1,000,000 within 7 days! (Although it's very tempting, I think I will always steer clear of the possibility of securing a loan for $1,000,000!)

So what type of people can My Miracle Loans help:-

No job or proof of income – Obviously if you have a lot of money, you wouldn't need their help! You will never be asked for proof of income or to provide evidence of your income.

Bad Credit, No Credit or Slow Credit – There are absolutely no credit checks for some of the methods you will learn. So a poor credit history will not effect the outcome.

A FICO score of 450 – That's Bad! As mentioned above, many of methods you will learn do not require a credit check. So you're covered.

Bankruptcies in the last 7 years – My Miracle Loans dispel the myth that if you have been made bankrupt, you will not be able to borrow any money for up to 7 years. They can show you the exact methods to secure a loan or credit.

No Collateral or Assets – Their system has nothing to do with what worldly possessions you own. You will not be required to provide proof of what you do or do not own.

Been turned down before - Not a problem. These methods will still work for you.

I think that comprehensive list just about covers everyone. My Miracle Loans had quite clearly stated that not all the methods and techniques will work for everyone. Not all individuals are the same. This is why they have provided you with numerous different methods to try. If you do not get accepted for one, you move on and try the next one. They have an iron-clad guarantee that EVERYONE will find success with their program.

So for what purpose can you use the loans that My Miracle Loans will help secure for you?

Business loans – Whether you are purchasing a business, looking to expand or you need supplies. They will help you get whatever you want.

Cash Advance – Do you need a pay-day advance for your job? No problem you can secure that cash advance within 10 minutes!

Car Loans – You can get that luxury car of your dreams and you don't need the salary to match.

Student Loans – This is where my problems originally started. There are many students out there, who are yet to even start college, that may be affected by poor credit.

Debt Consolidation – If you need that peace of mind. Turn all your debts into one loan and make the monthly repayments easier to handle and keep track of.

Home Loans – You have no fear of being turned down, no matter how much you want to borrow. My Miracle Loans guarantee to help you find that dream home.

Personal Loans – A personal loan is usually determined and granted by you having a great credit score. My Miracle Loans will help those of you, who are not in a position to boast about your credit score!

So let me run through the main benefits that My Miracle Loans offer:-

100% success rate – As long as you carry out their instructions correctly, you will never be turned down again for a loan.

Take up to 30 years to repay the money – In many cases, lenders may penalize you for not paying back money as soon as you can. This is not the case with My Miracle Loans.

Receive your cash in 7 days guaranteed – This doesn't have to be a long drawn out process. My Miracle Loans will guarantee that you will receive your money in 7 days or less in the majority of cases.

Use your money for any purpose – as described earlier.

No upfront fees – Paying a company to lend you money does not seem ethical...does it?

Ease of use – this is not a complicated guide on how to write loan proposals or where to find investors and this is definitely not an outdated list of lenders willing to help people with poor credit secure a loan. This is a program that allows you access to many little known and closely guarded techniques.

So what's the catch? There is no catch! My Miracle Loans program will work for you no matter who you are and what your situation may be.

There is little more I can add about this great program. If you find yourself in the situation of having a poor credit rating and you desperately need a loan, you need look no further.

You have absolutely nothing to lose and everything to gain by registering with this fantastic program.

Click here to get started and acquire that loan that will ease all your money problems today.


How To Dispute An Inaccurate Credit Report Entry With This Letter!

Are you in the process of trying to improve your credit rating? Maybe you have ordered your credit report and found one or a number of discrepencies. If you have ever wondered how to dispute an inaccurate credit report entry, then sit back, read, and off course, then use your own version of the following letter:-

Dear Sir/Madam,

Please find enclosed a copy of my most recent credit report. I am writing to you in connection with an inaccurate entry listed on my report.

My name is Sam Renstaff. My current address is 53 Santa Barbara Drive, Chicago, Illinois, 53568. My date of birth is May 12th 1972.

The details of the inaccurate listing are as follows:-

MBNA Mastercard - 5301 2264 XXXX XXXX
Default registered - 07/08
Balance - -$5346

I would ask you to please investigate the above mentioned account. Once you have liaised with the creditor in question, you will discover that this account does not belong to me.

In accordance with the Fair Credit Reporting Act, as amended in October 2001, you have 30 days to investigate this matter fully and remove any inaccurate information held on my credit file.

Upon the completion of your investigation, please write to me at my registered address with the outcome. I also request that you forward my updated and corrected credit report for my records.

Thank you in advance for your kind assistance in this matter.

Yours Faithfully
Sam Renstaff

You have access to a free credit report once a year from the three credit reporting agencies. Make sure you take this opportunity to check your credit report regularly for an errors or discrepancies. You now also have access to a letter on how to dispute a credit report.


Who Else Wants To Know How To Raise Their Credit Score?

Or Read On And Collect Your Free Report At The End Of This Article

Have you ever asked yourself, "How Do I Raise My Credit Score?" Over the years you may have racked up numerous debts. These may include, loans, credit cards and mortgages. As your debts increase through constant interest charges, things seem to get a little harder month after month. Perhaps, you have been unfortunate enough to miss some payments. This, regrettably, has the knock-on effect of additional late-payment charges and will eventually ruin your credit score.

The problem is, once you hit the rocky road of having a bad or low credit score, creditors or lenders will look at you with disdain. Gone are the days of being instantly approved for any form of credit. You are now looked upon as a high risk and no-one seems willing to help you.

This is pretty much what happened to me. I had a fairly decent job and that had helped me to secure various forms of credit. It was never a worry to me then, as i always had enough money coming in to cover at least the minimum payments, if not more. However, eventually mounting interest charges or the end of a 0% credit card deal, started to have an adverse effect on me being able to continue making full and regular payments. I had even got to the stage of using one credit card to make a payment on another credit card. So even though i was making some form of monthly payment, i was increasing my debt at the same time. Not Good! This, ultimately ruined my credit score and brought it to an all time low.

I then started searching for professional credit repair agencies. I soon discovered that many of these agencies make substantial claims to improve and raise your credit score. However, the majority charge a King's ransom for the privilege and they don't seem to deliver on their promises.

This is when i came across Chris Brisson's "37 days to clean credit" course. Chris had been in the same boat as many of us before him. As a college student he had built up a total of $14,000 in student loans and credit card debt. He had a small amount of income coming in and started to miss payments. Chris had managed to get his credit score down to a horrid 520! Once again, like so many of his predecessors, Chris scoured every possible resource to improve his credit score. He eventually admitted he got scammed by these so called "professional" credit reference agencies. This is when Chris decided to do something himself about it.

Chris had made a few discoveries along the way. He then went about legally "stealing" some of top secret methods that credit reference agencies use to remove negative items, inquiries, judgements and bankruptcies. After 37 days, Chris had managed to delete 9 inquiries, 5 late-pays, 4 default accounts and 1 judgement. In the process, Chris boosted his score by 135 points to a respectable 655.

So what exactly does Chris reveal in his Course:-

- How to easily delete 30, 60, 90, 120 or 150 day late-pays from your file

- How to easily set up a budgeting system to track income, expenses and all your payments

- A little known secret technique to getting your credit card APR interest dropped to 0%

- How to stop the harassing collections telephone calls

- How to repair bad credit in less than 30 days

- How to boost your credit score by 50 points even if you have the worst credit in the world.

- How to stop foreclosure and then negotiate with your bank to lower your monthly payment by 10% - 20%

These are just a few of the methods that Chris will go through. There are just far too many helpful little techniques to mention here.

One of my favourite systems i learned from Chris, was how to reduce the interest rate of my current credit card. It was as simple as making a phone call. Mention that you have in front of you a competitors details and that they are offering a 0% deal for six months, which will then turn into a 8% rate. Chris advises to always be polite and state that you will be looking to balance transfer unless they can lower your interest rate. In most cases, the operator will speak to a supervisor, who has the ability to drop your interest rate. To threaten to leave (in a nice way) is the key! So simple, but effective.

Another invaluable source contained within this course, is the copy and paste letters. Chris has structured a number of letters to be sent to creditors depending on what form of credit repair you are looking to achieve. The letters are organized in such a way, that you simply need to insert your own personal details in the blank spaces.

In addition to the course, Chris offers an unbelievable 5 free bonuses. They would usually retail at a value of $757, but are yours for free, once you sign up to Chris's course. I absolutely loved world renowned credit card expert, Scott Bilker's Interest Annihilation Method. This is one of your free bonuses. Scott unveils how to get approved for 0% APR credit cards. Scott also discusses the secret language indicators to use when you speak to your creditors. (yes, it's all down to the actual words you use!) and his 3 step debt elimination strategy system.

So if you have finally had enough of the way that lenders treat you, it's time to do something about it! Chris Brisson has come up with a guaranteed program to help you get the credit rating you have always wanted. So let me just quickly run through what you will get, once you have signed up to Chris Course:-

- The complete "37 days To clean Credit Course"

- The Interest Annihilation Method Audio with Scott Bilker

- The Credit Millionaire System with Donna Fox

- Credit Repair Mystery with Brett Bruce

- 45 "Copy & Paste" proven Credit Repair letters

- Super Budgeting Video Walk through

Don't forget to grab your Free Report on the 6 Deadly Credit Repair Myths as well.

Click Here to get started on raising your Credit Score today.


The Secret Strategy Behind Instant Approval Credit Cards For Bad Credit

Do you remember the days of Instant Approval Credit Cards For Bad Credit? Lenders were queueing up to authorize loans and credit cards for people and it didn't seem to matter how good...or bad your credit rating was!

Well times have changed. Now that the world economy is stuck in a deep and difficult financial recession, Instant Approval Credit Cards For Bad Credit seem to be a thing of the past.

This is not altogether true. There are a number of financial companies within the marketplace who are looking to help clients who are unable to borrow money elsewhere. The problem with many of these companies though, is they want to charge outrageous interest rates and levels of monthly repayment just for you to secure some credit. It's almost as though these companies are trying to hold you to ransom!

However, it now appears that many intermediary organizations are springing up to help you in your search. These companies usually charge a very small one-time fee and then allow you access to their database of lenders, as well as providing online and telephone support. They can place you with a lender who will provide Instant Approval Credit Cards For People with Bad Credit and at an affordable price.

The outcome for you is two-fold:-

1) you have finally managed to secure the credit card that you have been searching high and low for.

2) As long as you maintain your monthly repayments and pay them in full and on time, you are also repairing your credit history, thus meaning a wider range of lenders may be available to you in the future.

These companies are a god-send for you if you are struggling with your monthly bills. Sometimes you just need and want someone to listen to you - just being approved for a credit card or loan could improve your current financial situation no end and bring an end to those sleepless nights.

Do you urgently need to get Instant Approval Credit Cards For Bad Credit Now? Or perhaps you would like know how to secure Personal Unsecured Loans For Bad Credit.


The Secret Behind How To Buy A House With Bad Credit

Let me guess, the question "How To Buy A House With Bad Credit?" has been playing on your mind for a long time now.

It seems every one around you is getting on the mortgage ladder and leaving you behind. You know being able to put a deposit down and being able to afford the monthly mortgage repayments is well within your financial capabilities, but unfortunately no mortgage lender will even look twice at you because of your credit history.

Well actually lets face facts, that's not strictly true. You do have the occasional lender who contacts you and is more than willing to lend you the money that you need. However, let me guess, they want to charge you an extortionate rate of interest and the monthly repayments are unbelievable. So what do you do?

It now appears that there are many intermediary companies with mortgage lenders on their books who are willing to help you in your quest. These companies will normally charge you a very small one-time fee..and i mean small! Once you are on their books, they will provide you with online and telephone support and a huge database of mortgage lenders willing to help you in your plight and show you how to a buy a house with bad credit.

The great thing about this is the mortgage lenders will look to secure a home loan for you and it won't cost the earth. Once you have that all important mortgage in place and are committed to making your monthly repayments, this in turn will help to repair your credit rating, thus meaning a wider range of creditors will be available to you in the future.

How about if you need to Refinance Your Home With Bad Credit? Is that any different as you already own your own home?


Can You Get Guaranteed Loans For Bad Credit?

Is there such a thing as "Guaranteed Loans For Bad Credit"?

Have you ever found yourself in that situation? - Where your debts are continually mounting up, all of your creditors are phoning you every other day and you're unable to find a real solution to your problems!

That's when you find something financially challenging and unexpected comes along and gives you yet another huge problem and forces you into frantically looking for some immediate funds. However, you can't afford to pay for what you have now, you're in trouble with your creditors and no credible lender is going to look at you.

That's when you start to become inundated with calls and adverts for people who offer Guaranteed Loans For People with Bad Credit. The problem being they are going to charge you the most extortionate of interest rates and monthly repayments.

So where do you get that fast injection of cash?

There have been organizations created to actually make this search far easier for you. They usually provide you with a membership and then issue you with a substantial amount of information via a huge database of lenders willing to help and give you that all important loan.

Usually you will have to pay a small one-time fee..and i mean small, but this will not only give you access to this huge database of lenders, you should also be provided with online or telephone support and also many unknown government resources to help you obtain a loan.

Most of the lenders on the database will offer guaranteed loans for bad credit or even a bankruptcy. The lenders are willing to lend money for almost all purposes whether it be Auto Loan Financing, Personal Loans, Mortgages or Credit Cards.

If you absolutely have to get that loan today and you're still unsure how to get Guaranteed Loans For Bad Credit, then Click Here immediately to learn what other people are doing to get approved.