A rudimentary understanding of credit is essential to every consumer.  Without a working knowledge of credit, tempered by an understanding of budgeting, one can easily spend more than they can afford.  This will keep the unwary consumer in debt for the rest of their natural life, and they will retire into poverty!  

Many consumers discover how credit works only by accident.  However, experimentation without a modicum of guidance is the worst possible method of learning. The ins-and-outs of credit ought to be a mandatory course in high school.

Unfortunately, most consumers are following the exceedingly irresponsible examples set by our Congress and State Legislatures, whose spending habits make drunken sailors seem like tightwads!  Clue number one: NEVER follow their example!

This is a vital course in the mysterious world of credit reporting, credit scoring, and even credit restoring.  This will become a valuable resource to anyone who is learning about their credit the hard way.  If your credit score is less-than-stellar, this is your opportunity to get out from behind the proverbial 8-ball.

• Debt and Credit Tips
• Credit Report Content
• Credit Scoring
• Credit Statistics
• Reason Codes
• Credit Report Inquiries
• Manage Your Scores
• Bruised Credit
• Junk Debt Collectors
• Debt Validation
• Disputing Errors, etc.
• Debt Collector Rebuffs
• State Attorneys General
• Complaint Department
• Score Improvement Techniques

I have spent the past few years ferreting out some of the most closely guarded secrets of credit scoring and credit restoration techniques.  As a result, I can say with a high degree of confidence that I know more about credit than 99.9% of everyone in the mortgage lending and real estate business.  Digest this information and you will know more about credit than the vast majority of all consumers.

NOTE:  I have deliberately withheld a few key pieces of information, if for no other reason than my general unwillingness to educate slothful and far less diligent competitors in the lending business.  If they wish to learn what I already know, let them expend the same amount of time, energy, and expense.  Then and only then will they approach my level of expertise.  Until that time, however, I wish to maintain my significant advantage.

(This is not bragging.  It is pure fact.)

Customers of InspiredFinancing.net will be issued a password to enter the Inner Sanctum of the Mechanix of Credit.  We will reveal the few additional pearls of wisdom that will definitely improve your credit scores and secure a future of good credit.  Scott Secor can produce documented evidence that these secrets work.

Case history: Donald K. rose form a 574 mid-score to a 615 in one month, and his wife Ruth rose from 579 to a 644 mid-score over the same time frame.  These represent 41 and 65 point improvements in a single month!

My all-time record:  David S. rose from a 525 mid-score to a 679 in three months.  That was a healthy 154 point gain.  However, his high score moved from 527 to a 727 over the same period.  That represented a 200-point gain in three months!

Precious few people in the mortgage lending business have the knowledge and the ability to make these sorts of changes in people's lives.  And, I dare say, virtually no one else is willing to take the time required to perform these vital services free of additional cost.

Again, it is not bragging when it is based on fact!

Let's Place "Credit Bureaus" In The Proper Perspective

We have seen a number of blogs and chat rooms on the Internet which discuss the existence of a "secret" fourth credit bureau (often in reference to  CBCInnovis or CSC).  This is just plain nuts, there is nothing at all secret about CBC or CSC, or any other credit bureau.  They sell their services to merchants across the nation.  If the conspiracy theorists who rant about such things ever grew a brain, they would definitely have an aneurism over the simple fact that there are some 670 "credit bureaus" listed on  CollectionsIndustry.com.   There are many more.