Millions of ordinary Americans are paying more, or worse, being denied for a loan, credit, insurance, rent or utilities because of the growing use of the consumer “Credit Score”. In virtually every household budget a Secret Sacrifice is being made by consumers as creditors use the credit score to justify increased fees on the highest level of consumer debt in history.

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Everyday that passes by, your bad credit score is costing you money. Money that should be yours is needlessly being lost to creditor fees and higher interest. You are Secretly Sacrificing your income because of this little-known fact. Did you know that if US consumers were to improve their credit score an average of just 30 points, they would save $16 billion in credit card finance charges alone? Get a piece of that $16 billion for yourself! Your comprehensive strategy will show you how.

Denied Credit. Having a low score often means you won't get that credit card you want. Ready for a new car? How about a new home? It's not going to happen with a low score. Don't put your dreams on hold, you need a proven plan to achieve your dreams! Get your plan now.

Higher Insurance Rates - Or Worse, Denial Of Insurance. That's right. It might not seem fair, but the price you pay for insurance is often based on your credit score. With a lower score, your insurance company will expect you to be a higher risk. Don't expect your insurance agent to tell you about this dirty little secret. The good news is you don't have to be a victim. Stop the madness now!

Higher Utility Rates. The Secret Sacrifice has worked so well to increase profits for your lenders and insurance agents that now utility companies are jumping into the game. That's right! More and more electric and telephone utilities have switched to risk-based pricing - which is just a fancy way of saying they are going to charge you higher prices if you have a lower score. You need a strategy to win this game!

Apartment: Denied. Employment: Denied. Did you know that when you fill-out an application to rent an apartment -- or even an employment application -- you are often giving permission to use your credit as a factor in the decision? Your landlord wants to know if you are at risk of defaulting on your payments. And your employer considers your credit management habits as an indicator about your reliability and trustworthiness. Sure it may not seem fair, but that's the way it is. You can't afford to lose this game. Take control of your credit now.

Raising your credit score is the key to avoiding the Secret Sacrifice. Unfortunately, the credit scoring method is a well guarded secret. Not even the company that denies you credit can tell you exactly why you have been given your particular score. But when you enroll in the ScoreManager online program, you not only learn what your score is -- you'll see the factors that created your score AND how to improve it to avoid Sacrificing with Low Credit for good!