Now FREE: How to Get Started Improving Your Credit

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THE BEST WAY to get started improving your credit is a three-step process that involves (1) learning the key points about the U.S. credit system, (2) obtaining copies of your credit reports and scores and (3) making sense of the data.

HOW TO GET STARTED IMPROVING YOUR CREDIT walks you through this three-step process, in a way that is both easy and entertaining. You learn important inside information that the banks and credit bureaus don't want you to know, the best way to get your credit reports and scores for free and different options for getting free help, to understand your personal credit information.

This is the inside scoop from a former credit counselor and consumer advocate who's been in the trenches and researching this area for more than 25 years.

A bonus chapter gives you overviews, insights and quick tips on ten areas relating to personal credit that consumers typically have the most questions about: bankruptcy, credit and divorce, credit and marriage, credit counseling, debt collection, debt consolidation, debt settlement companies, foreclosure, home loans and identity theft.  Think of these as "cheat sheets" for getting a running start on whatever topics are of particular interest to you.

Avoid costly mistakes and do things right the first time, with this authoritative primer. For free downland, click here.

How to Repair Bad Credit: The Concise Yet Complete Guide to Overcoming All Issues

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THE MAIN DANGER relating to all the misinformation about credit repair is not the time you lose by going about it the wrong way, even though that's certainly a significant downside. The main danger is the long-term damage that can be done by following bad advice.

In this concise yet complete guide to overcoming all issues in the realm of bad credit, you get the inside scoop from a former credit counselor and consumer advocate who's been in the trenches and researching this area for more than 25 years.

Learn the proven, practical, nuts-and-bolts techniques that banks and credit bureaus don't want you to know. Though credit repair as a whole is not an overnight process, there are certain techniques that can be used to improve your credit literally overnight.

If you have negative items of any consequence on your credit reports, you need this handy guidebook, which will pay for itself more than a thousand fold, by way of lower interest rates, consideration for job opportunities not available to applicants with serious credit blemishes and even possibly admission to hospital emergency rooms should the need ever arise. For order information, click here.

How to Build Good Credit: The Concise Yet Complete Guide to Establishing a Sterling, Triple-A Rating

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MOST PEOPLE mistakenly think in terms of credit blemishes as being the only obstacle to enjoying all the benefits that a strong profile and high scores have to offer, including access to credit on the most favorable terms and at the lowest interest rates, which during the course of a consumer's lifetime typically translates into savings of many thousands of dollars.

But "bad" credit (credit blemishes) is actually only one obstacle. Another, less obvious, obstacle is the absence or lack of "good" credit (a positive, established credit history). And when engaging in credit "repair," consumers typically limit themselves to the purging of negative items on credit reports. 

Just as a lack of sufficient good credit can be almost as much of a handicap as bad credit, it's equally important to work on establishing good credit at the same time as purging negative items from credit reports. For one thing, positive credit entries can go a long way toward neutralizing the negative.

In this concise yet complete guide to building good credit, you get the inside scoop from a former credit counselor and consumer advocate who's been researching this area for more than 25 years. Learn the proven, practical, nuts-and-bolts techniques that banks and credit bureaus don't want you to know, some of which are likely to surprise you.

Though establishing good credit as a whole is not an overnight process, there are certain techniques that can be used to build good credit literally overnight. If you're one of the many who lack a well-developed credit history, you need this handy guidebook, which will pay for itself more than a thousand fold, in the months and years ahead. For order information, click here.

How to Play and Win the Credit Card Game

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THIS IS ONE CARD GAME that does not depend at all on luck. Regardless of the hand that you've been previously dealt in life, you can learn to make credit cards work in your favor, realizing all kinds of rewards and benefits that you probably never even dreamed possible, to the tune of hundreds and even thousands of dollars each year.

The problem is that credit cards are booby trapped with numerous landmines that can blow up in your face unexpectedly, with serious consequences. Accurate information is the only antidote for this potential problem, to sidestep what's bad in favor of what's good.

In this concise yet complete guide to playing the credit card game to win, you get the inside scoop from a former credit counselor and consumer advocate who's been researching this area for more than 25 years. Learn the proven, practical, nuts-and-bolts techniques that banks and credit card companies don’t want you to know, some of which are certain to surprise you.

HOW TO PLAY AND WIN THE CREDIT CARD GAME offers valuable information for consumers on all points of the credit spectrum, from those just getting started to those in recovery to those who are already quite sophisticated and interested in leveraging their situations to full advantage. In the process of enhancing your financial position, this easy and enjoyable resource will also show you have to have FUN achieving success. Make that fantastic plastic work to your benefit and help you achieve your financial goals! For order information, click here.

How to Borrow Money at Zero Interest: Legally Eliminate Your Debt in Record Time

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SOMETIMES, on rare occasion, what sounds too good to be true is nonetheless in fact actually so. This is one of those rare occasions.

If you have accumulated debt that you would like to liquidate in a fraction of the time that would normally be required, paying conventional interest rates, this is a system with life-changing implications.

The essence of the formula is simple: Position yourself to apply for credit cards with zero-interest balance transfer offers. Move your high-interest debt (credit card or other) to these zero-interest accounts, for the length of the zero-interest offer, which typically runs from 12-18 months. When the original zero-interest offers or the extensions run out, absorb those balances with other zero-interest offers. Allocate your savings in interest toward accelerated payment on the debt. Continue until all your balances are paid off, which will happen in a fraction of the time that it would take you if you played the bank's game.

If it would change your life to be debt-free, then this book can have life-changing implications for you. Learn the details of this remarkable system in this pathbreaking and one-of-a-kind guide to borrowing money at zero interest, from a former credit counselor and consumer advocate who's been in the trenches and researching this area for more than 25 years. A bonus chapter includes inside information about low-interest loans, including little-known programs that can be used either as a prelude to or in conjunction with the zero-interest programs. The minimal investment in this book can probably save you thousands during the months ahead. For order information, click here.

How to Beat the Banks, Credit Bureaus and Collection Agencies: Advanced Techniques

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A DIRTY LITTLE SECRET on the part of the credit bureaus was documented in a recent report by The New York Times: the reporting agencies maintain a two-tiered system, one for VIPs such as celebrities and politicians, who receive special "concierge" treatment, in stark contrast with that massive, immovable "brick wall" that everyone else runs into.

If you've ever been given the runaround or stonewalled by a bank or credit bureau, you know that maddening, desperate, infuriating feeling of being up against an uncaring corporate giant that abuses its tremendous power, walking all over people with impunity because it knows it can get away with it.

Most people accept the fact that they are second-class citizens in the eyes of the corporate bullies and simply give up. But former credit counselor and consumer advocate Dan Berman has uncovered five powerful, no-cost approaches for leveling the playing field, to set the scene for going up against and actually beating Goliath.

This knowledge can serve as your personal "equalizer," to give you access to the same quality of service as that which is all too often provided only to the privileged elite. Each of the five sections includes a clear description of the strategy, examples and specific contact information or guidelines, making it easy to explore the next step, with pros and cons of various approaches discussed. Most of these strategies apply not just to banks, credit bureaus and collection agencies but corporate bullies of all stripes. For order information, click here.

How to Save Money & Make Extra Money: 111 Proven Techniques

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BUSY PEOPLE who don't want to spend time wading through folksy stories and inspirational messages, on the way to getting out of debt and improving their financial situations, will love this book.

The text begins with a simple three-word "secret" at the core of the solution to getting out of debt and living debt-free thereafter. This is followed by approximately 50 tips for generating extra income and then 50-plus for saving money.

The approach is not one of deprivation but rather intelligently and creatively taking advantage of various opportunities to spend less and earn more.

The author shows how he uses the techniques in part two to save more than $10,000 annually and makes his living entirely off of the methods in part one.

Of course you're not expected to implement even the majority of the ideas but rather just choose from the select few that seem the best fit for your individual interests and circumstances. The two parts when used in combination should result in a pronounced acceleration in achieving your financial goals. For order information, click here.

The Newest Story of O: Secrets to Making the Credit System Work in Your Favor

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This is the flagship volume, combining all the information in the entire US Credit Secrets series, based on the reality that your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy and your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you won't want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get. You could buy all the individual books in the series for $18 or you could save close to 50 percent and get this single, comprehensive volume. For order information, click here.

Earn a Six-Figure Annual Income Publishing Part-Time on Kindle

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RARE INDEED is the opportunity with truly life-changing potential. Rarer still is such an opportunity that makes it possible to earn a healthy six-figure annual income, with virtually no out-of-pocket costs, working in your spare time and on your own schedule, from the comfort and convenience of your own home.

This opportunity involves publishing ebooks on Kindle (and could be done in combination with selling the same book in print form, using CreateSpace.com, an Amazon affiliate, to produce the books on an as-needed basis, through a process called printing on demand or POD, also with virtually no out-of-pocket expenses).

You don’t even actually have to be much of a writer in order to do this, although writing talent would certainly help. The main requirement is self-discipline, along with some basic business sense. Write something once and earn continuing royalties, for as long as the title continues to sell. As you keep writing and adding to your list of titles, your passive income builds, as you move from financial independence to affluence.

The key information you need to know, to be successful at this venture, is contained in a comprehensive and entertaining training program, featuring unlimited email support from the program’s author, as well as a 30-day money-back satisfaction guarantee.

Before even finishing the entire program, I decided to try one very basic technique, which probably represents only one percent of the entire strategy. As a result, I sold more ebooks in a single day than I had in the entire year since my book was first published. And I did this without spending so much as a penny on promotion, using only a few minutes of my time. I’m now on my way to making a very comfortable living as a freelance writer, working from home on my own schedule. If you would like the same thing for yourself, point your browser to eBookGold.net, for more information (hint: watch the video).

Get Millions in Free Publicity through Radio Interviews

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EVERY DAY, countless radio shows around the country need interesting and knowledgeable guests to interview, on a broad range of topics. Not just talk radio stations but also the many music stations that liven up their content by interspersing it with short interviews.

Talk shows represent an amazing opportunity to get what amounts to millions of dollars in free publicity and to potentially earn a nice four-figure sum from each "appearance," even if you give the interview by phone, from the comfort and convenience of your own home, in your pajamas (which is one of the reasons many pros prefer radio to TV). I know that for a fact because I've done it many times myself, selling thousands of books that way. When you do a show, you get to promote your book and the host promotes it for you, too. Of course, you don’t promote it as if you were doing a commercial, though the host will do that for you, as you probably hear it being done for others when you listen to radio yourself.

If it's such a great opportunity, you might ask, why isn't everybody doing it? The simple answer is that most people don't know how. To get on the talk show circuit, you need to know how the system works and how to approach the hosts and producers in a way that will get you onto their shows. You also need to know who the hosts and producers are and how to reach them (their contact information, in the form of a well-organized, up-to-date database). You can learn more of the details by accessing the information via TalkShowGold.com.