Steven
M. of Dallas, TX Writes: "I enrolled
in the ScoreManager program for the first time in September, 2004.
My Credit Score was 576. I took action to remove
items from my report that were not mine and began following my
online action plan. At this time the interest rate on my credit
cards was between 24.9% and 29.9%, or approximately $100.00 per
month in interest only."
"In October, 2004 I received my second ScoreManager online
analysis. My Credit Score was 591. The suggestions
from the ScoreManager were successful; however a couple of the
items I thought would be removed were still showing on my report.
The system advice instructed that sometimes it takes 4-6 weeks
for these changes to be reflected at the bureaus. So I continued
to take the actions suggested in my strategy."
"On November, 2004, I received my third
analysis. Keep in mind this was only 60 days from my first action
plan. My Credit Score was 661!!! Wow!!! An 85 point increase
in just 60 days!!! Before this program, I had no clue
of what action I needed to take to move my score forward!"
"On December 28, 2004 My Credit
Score was 680!!! Nothing but good news is coming my way
concerning my Credit Score! Now that is exciting!"
"On January 29, 2005, My Credit
Score was 720!!! I am not a mortgage expert by any means,
but according to my information, I am now considered an "A"
paper loan which means I would be eligible for the lowest interest
rate on a home purchase and avoid paying the "Secret
Sacrifice"! Also, remember that interest rate
on my credit cards of 24.9% to 29.9%? We received a new credit
card with 0% interest on all balance transfers and new purchases
for 12 months. That is a savings of approximately $100.00 per
month on interest rates!! WOW!!!"
"When my Credit Score was 576, my interest
rate on a new home would have been in the high 9% range with a
10% down payment required. Now, with a score of 720, my interest
rate will be in the high 5% range with no down payment needed!
PLUS, on a $175,000 home I will be saving at least $400.00 per
month on my monthly mortgage payment and avoid the $17,500 down
payment!."
"Here is the difference that it made for me personally:"
"Now I am pre-qualified to buy a home
and I will save a minimum of $400.00 per month in interest! For
the same money I would have been spending, I can have a new home
and a new car! Don't forget, I am also saving approximately $100.00
per month on credit card interest. Thank you!"
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