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Sign up now and get our FREE Report "7 Little Known Secrets about Credit Scoring"
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Discover the Unvarnished, Naked Truth
Learn How to Repair Your Bad Credit Report
Quickly Raise Your Credit Score
Completely 100% Legally
Even After a Personal Bankruptcy.
Learn the Ways Experts Repair Bad Credit Reports
Rebuild Credit for their Clients
To Get the Fresh Start They Deserve
FROM
Jan Gudis
Wednesday, January 16, 2008
Dear Friend,
Is your bad credit keeping you awake at night? Are you sick and tired of paying high interest rates on your credit cards because of a low credit score? Do you want to buy a home but can't qualify for a mortgage?
Perhaps you suffered the loss of a job, or you got sick, or maybe a divorce caused you to get behind on your bills resulting in a bad credit report and now you need to fix your credit and rebuild your credit score.
You are not alone.
In 1998, one out of every 68 households in the United States filed for bankruptcy with 91% being a direct result of job loss, medical emergency or divorce.
Bankruptcy filings in the U.S. have grown from about 110,000 in 1960 to just over 1.6 million in 2003 and currently are more than double the number of filings that occurred during the entire decade of the Great Depression.
American families struggle every day to make ends meet juggling $3.00 + per gallon gasoline, $4.00 per gallon milk, out of control government spending, increasing property taxes, and outrageous health and homeowners insurance. To make matters worst we are bombarded daily with buy now-pay later messages in the marketplace.
The typical American homeowner has been cashing out the equity in their homes every 2-3 years just to keep pace with their day-to-day spending and few are prepared for an unexpected negative event.
However, with falling property values, the mortgage meltdown, and unprecedented foreclosure rates, people are finding the option of "bailout through refinance" not as readily available and possibly off the table completely if they have credit issues.
Disaster Strikes When Something Unexpected
Happens. . . Like Losing Your Job, or Getting Sick
Where do you go for help? You can't go to the bank after just a few missed payments. Plus in our society, we aren't supposed to talk about money, much less our problem with it so you can't walk out and ask your neighbor "Hey neighbor, do you know a good bankruptcy attorney, we're having some financial problems over here."
If you go to the Internet for help, there is so much trickery and deceit you end up confused, bewildered and often in worse shape.
Don't get me wrong, there is credible information about how to fix your credit on the Internet, but the information is fragmented across a large number of sites; so researching and digging down to the truthful factual credit advice takes hundreds of hours of your time.
What often happens is people suffer a negative event resulting in bad credit and with shame and embarrassment, just give up and resign to the fact they will have to pay more for everything they buy on credit from now on, pay cash or simply do without.
I know how you feel, I've been there.
I know exactly the shame, guilt, embarrassment and loneliness you feel about having bad credit. My name is Jan Gudis and I was forced to file a bankruptcy during the dot com debacle. It was the most painful, terrifying and horrible experience I have ever gone through.
I felt like my life was over. I lost friends, countless nights of sleep, suffered severe depression and thought I would be banished to loan sharks for the rest of my life. My self confidence and self esteem were shattered.
Hell it was so bad, I couldn't even call a girlfriend and go to lunch to relieve the pressure because I couldn't afford lunch. The only thing I found I could "afford to do" was pinch heads off weeds in my yard!
UNTIL . . . I took back control.
See you are at a point now, where you have two choices: #1 you can sit back and do nothing about your bad credit, pay cash for everything, put down a bunch of cash to buy a home with a high interest rate, pay up to 30% interest on credit cards (assuming you can get one), OR #2 you can decide to DO something about it.
I decided to do something.
With my debts forgiven after the bankruptcy, and a Fresh Start given to me by exercising my right as a U.S. Citizen to a legal remedy of relief under Federal Bankruptcy laws; I learned how to repair my credit, increase my credit score and rebuild my life.
I started, probably like you, searching on the Internet. I found credit repair information sure enough, and I mean LOTS of credit repair information. In fact, I found overwhelming amounts of information about how to fix my bad credit, restore my good credit rating and enjoy the benefits of having the best for my family.
But it wasn't easy or quick.
Researching Credit Repair on The Internet is
Like Taking a Drink Out of a Fire Hose
It took me months to sort out the credible information from all the trickery and deceit, scams and illegal ways some sites were suggesting I go about fixing my bad credit and restoring my credit score to the good standing I once enjoyed.
I studied the Fair Credit Reporting Act (FRCA), Fair Debt Collection Act (FDCA), Fair and Accurate Credit Transaction Act (FACTA) , Equal Credit Opportunity Act (ECOA), Truth In Lending Act (TIL) and all the other Acts of Congress that apply to consumer credit.
As fate would have it, I had a great bankruptcy attorney and we became friends. As I sorted the credible information that would really help me repair my bad credit from the scams, I shared with her my findings.
I quizzed her on all the consumer protection laws and expressed my outrage at how unfair the real world (particularly the credit scoring system) treats people with credit issues who are honestly trying to get back on their feet.
She told me many people would not need to file a bankruptcy if they had acted early when trouble first began and could refinance their homes. I asked her why more people didn't do that.
She said because very few mortgage professionals:
- know how to deal with credit issues
- understand the credit scoring systems the way I do
- are willing to take the time to work with people
She also told me she was thinking about opening a mortgage broker business and would pay for me to take the course if I would go. She further explained that with what I had discovered about the credit scoring system, I would really be able to help a lot of people, stating I knew things she didn't. In fact, she told me she was amazed at how much I knew.
Since I was just coming out of bankruptcy and needed a job, I took her up on the offer and took the class. She never did open the brokerage firm but I did get licensed by the State of Florida to negotiate mortgage loans.
It's been almost 7 years and today I am President and Principal Broker at Buyer's Choice Funding, my own Mortgage Broker Business here in Florida. I have built my entire business around helping people with less than perfect credit get into the home of their dreams, with a rate on their mortgage loan they can afford.
I am active in my community and serve on the Board of Directors of the Oviedo-Winter Springs Chamber of Commerce where I have served for four years and been honored in 2005 for Outstanding Service, 2006 as Business Person of the Year and in early December was awarded with the 2007 Presidents Award.
However, I am most proud of the Fresh Start Home Buyers Program I founded in 2001 to work with borrowers on whatever the credit issue. I began the program with the thought in mind, if I help people when they are down, when it's time to do business they will want to do business with me. It was my way of giving something back and getting business for my company.
I get most of my business from referrals from banks, divorce and bankrptcy attorneys and marriage counselors. My referral sources send me their clients and I evaluate the situation, review the options and create a plan of action that helps them overcome the negative event. Once we get the credit in good shape again, THEN we do the mortgage loan.
That's the order it should be done in. Fix the credit first, go for the loan second. It's simply too expensive to go any other route. More often than not, the opposite happens because the loan officer doesn't have YOUR best interest at heart, doesn't know what to do to help or most likely, doesn't want to spend the time on something they can't make money on today.
The program has seen some tremendous success stories, as people become empowered with knowledge, and has expanded its message into a weekly radio show I host, aired throughout the Orlando metro area on Saturday mornings.
In the process of repairing their damaged credit, people become educated which is the greatest reward that will serve them well for the rest of their lives. We teach good consumerism and by utilizing our rules of thumb they become educated on how to make the system work in their favor.
At the end of the day, through the knowledge gained, people are much less likely to repeat the behavior and have this happen to them again simply because they are educated and prepared.
974 success stories and growing
The Fresh Start Program has helped 974 families rebuild their lives, increase their credit scores, and get the fresh start they deserve. They have gone on to buy new homes, get low interest rate credit cards, buy new automobiles at attractive interest rates and regain their self esteem and confidence.
Amazing things happen when you beat the financial monster. Credit scores go from 494 to 680 in less than 18 months, people become empowered and even excited when they start seeing their bad credit evaporate and their credit score climb to new heights. Some have higher credit scores now than before the negative event occurred that caused their bad credit in the first place.
Couples decide to stay together just by being empowered with the truthful factual information they need to recover. People cry at closings (and I'm usually going for the tissue along with them) at what they were able to accomplish. Beating the financial monster is very liberating.
Seeing the transformation in people's lives is the reason why I am so dedicated to helping people whose world was dramatically changed by a single negative event.
I find more often than not, the offending negative event occurs and ends. People get another job, they recover and get well again and they adjust to living on their own. What lingers is the emotional and financial fallout that causes them to seek or stay in therapy, some for years.
Financial stress has a tremendous effect on your life. It affects the relationship you have with your spouse, your children and most importantly, it affects the relationship you have with yourself. My therapist friend tells me low self esteem, lack of self confidence and dealing with shame, guilt and embarrassment are all conditions many people experience as a result of financial trauma.
I want to show you how to overcome the financial trauma in your life. I want you to learn how to put the negative event and the bad credit behind you and move on with enjoying your life. I want to empower you to beat the financial monster that looms so large in your life today.
Anyone Can Get an A paper Mortgage Loan
in 24 Months or Less,
No Matter How Bad The Situation
IF You Know and Understand the Rules of the Game.
I have a professional license to protect now so I refuse to be involved in any way with the illegal or immoral methods that I see all over the Internet. There is an exact cost of living with bad credit and you have to utilize proper strategies to make the credit score recover steadily and permanently without trickery and deceit.
You don't have to be banished to high interest rates forever and settle for second best because you got sick or lost your job. In fact it doesn't matter to me what caused your bad credit. It is not my job to judge you. Defaulted student loans, judgments, collections, bankruptcy, foreclosure, delinquent child support, liens; none of it scares me now.
My Attitude is if You Are Ready to Turn the Light on
and Face the Financial Monster, I am Here to Help You
The Good News is You Don't Have to Exercise
Trickery and Deceit or Fall Prey to Internet Scams
Just by simply knowing and understanding how the system really works, you can easily make the system work for you quickly, safely and 100% legal.
No hiding behind a new illegal credit identity worrying if you are going to get the call from the Feds any day, no phony dispute letters to the credit bureaus that get trashed at the door (trust me, it happens), no payments to some third party letter writing service, and no signing away your consumer rights. No one can do more for you THAN YOU!
This stuff is not rocket science but there is an exact and specific system. You can do it yourself, quickly, easily and cheaply once you understand how the system works. And once you learn the formulas and how the secret unwritten "rules of thumb" are applied in the credit decision process, this information will serve you well for the rest of your life saving you thousands of dollars.
Clients, friends, family, and all my referral sources have been after me for years, to share what I know so others could benefit from my research, knowledge and experience. We have hundreds of hits to our web site and emails wanting to know if we can help.
But until now, I didn't have a way to help anyone who wasn't local because everything was in my head or on my computer. My program only worked if I could talk personally to the client and teach them on a one on one basis about how to repair their credit score effectively.
So as the old saying goes there's no time like the present and I have finally gotten off my lazy butt and taken on the task of disseminating all my strategies, formulas and experience to create a do-it-yourself guide on "How to Overcome Financial Trauma and Get the Fresh Start You Deserve".
It has taken 6 years to make this guide happen and I have taken a no holes barred approach to laying out the unvarnished, naked truth about how the credit scoring system works and how to make it work for you because I don't think people should have to pay outrageous and predatory interest rates forever just because they lost their lob or got sick.
I don't have any magic pills or formulas for you, no trickery and deceit and no high interest rate credit card or merchandise card offers. If you are looking for any of those things, there is plenty of it on the Internet so please leave this site now and go there.
What you will learn from me . . .
You will learn how to overcome your financial trauma once and for all. You will learn the exact strategies and techniques, attorneys charge thousands of dollars for. You'll discover the rules of the credit scoring game; so you can repair your own credit report, increase your credit score and put the shame, guilt and embarrassment behind you.
You will learn how to put the negative event that caused your bad credit into proper perspective. You will learn how to enjoy life again so you can have the comfort, security and peace of mind knowing things are going to work out.
I know you are skeptical and wondering if I am for real. Take a look at what others say.
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| "Impressive, Informative and Interesting. Jan it is obvious that you have done the research and understand how the system really works and now I do too. Thanks."
T. Wolfe, Jacksonville, FL
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| "I had to write and let you know I just saved $14,821 by using the 30% rule you teach. My score jumped 36 points in 30 days and I got a half point better rate on my mortgage. You're awesome!"
Alex Joel, Orlando, FL
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| "Jan nobody ever talks about the emotional fallout like you do, you are right on with what you say. I wish I had found you sooner but you have motivated me now to get my life back on track. Thank you."
Susan Ward, Apopka, FL
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The people above are why I put together this step by step do-it-yourself guide using all the experience and knowledge I've gained. Seeing a family through a financial trauma is tough and challenging but an extremely rewarding experience when we win. It's worth it all.
In the Do-It-Yourself Guide You Will Learn:
 How to put the negative event that caused your bad credit into the proper
perspective.
How to skyrocket your self esteem and self confidence when you start seeing
results.
How to read your credit report so you will know exactly what to target for the
biggest results.
How to understand what the credit bureaus are saying about you.
How to forgive yourself and get back on top quickly.
How to get rid of the guilt, shame and embarrassment once and for all.
The ideal formula that results in loan approval every single time.
How to get approved even with a personal bankruptcy on your credit report.
Insider's shocking roadmap to the credit reporting agencies.
How to repair your credit, restore your credit score and start enjoying
life again completely 100% legally.
How to understand the mentality of underwriters.
How to make your next loan effortless and stress free.
How the right credit score can save you money on your insurance and maybe
even get you a better job.
How to write (and not write) dispute letters to the credit bureaus.
How to actually get positive results from your efforts
How to get the best for your family.
"How to Overcome Financial Trauma and Get the Fresh Start You Deserve" combines years of research and learning the truthful factual information,real world testing of techniques and strategies to determine the best ones to use, by working with real families to gain the experience to solve real world problems.
I remember the pain you are feeling and if I can spare just one family the pain and shame I felt and speed their recovery along, I feel obligated to do so.
So after some serious soul searching I have decided to offer my secrets, knowledge, and strategies for less than the cost of one hour in therapy and less than the set up fee charged by the letter writing services.
I want to load you up with everything I can put in your hands as quickly as possible to help you put this negative event and pain behind you once and for all.
I want you to know and really understand the factors that go into determining the quality of goods and services you can afford. You will never be able to provide the best for your family with bad credit. You will always pay more for less. You simply can not afford to put this off any longer.
Therapy is expensive. Just one hour in my market runs on average $85.00 - $100.00 per hour. Even if you are a quick study - 6 months of therapy twice a month would set you back over $1,000.00
Even going to your Doctor and getting a prescription just to deal with the depression is an option that is off the table for many. A month's supply of Prozac is $117.00 in our area. Figure 6 months, there's another $702.00.
Same is true of the letter writing services offered by the cookie cutter law firms. They charge anywhere from $79.00 - $99.00 in set up fees plus $39.00-$79.00 a month for a recommended minimum 6 month stint. Most of these services are raking in between $60.00 - $800.00 per client. And they don't do anything that you can't do for yourself for free. Well almost free, you may have to pay for some postage.
You don't have to suffer because of lack of financial literacy and lack of understanding of a very compex and secretive credit system. So here is the bottom line.
You can have the entire package of information for just $47.00 That's right $47.00 total. No additional shipping charges or crazy affiliate program discounts. For less than the cost of one hour in therapy, less than the set up fee charged by the letter writing services, let me show you how to fix your broken credit, increase your credit score and save you tens of thousands of dollars. Along the way learn how to regain your self esteem and get the best for your family in the future.
Now I know you are skeptical and wonder why I am letting go of this information for such a low give away price. It's because people who need help the most can afford it the least and I want to make it available to as many people as possible.
Look what the Federal Trade Commission has to say:
Credit Repair: Self Help May Be Best
"Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can't deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money."
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And just because the Internet is . . . well the Internet, I want you to feel good about your decision to invest in your future so I want to remove any risk you may perceive in accepting my offer.
I know money is tight for you and you are trying to overcome your financial trauma. I know all too well from the families I work with at how afraid you are.
So without hesitation I am offering an unconditional no questions asked 100% lifetime money back guarantee. If you don't find at least one tip in the book that helps you turn your life around and get you started on your path to a fresh start just let me know and I'll refund every cent you paid for the book.
And to further show you how much I want to help you, I am going to include as a BONUS a copy of the custom spreadsheet I use so you can calculate your D2C ratio. You will learn from the book what and how important this is. This one tip alone is potentially worth thousands on what ever you are buying, auto, insurance, mortgage, credit card, or furniture.
Stop procrastinating. Be brave just like you did when you were a kid climbing out of bed to turn the light on when you were afraid. Reach out right now by clicking on the link below. You will be taken immediately to my download page where you will have access within minutes to the book and all the bonuses inside and be on your way to a Fresh Start and a brand new day.
Remember you are at cross roads right now where you can decide to close your browser window and do nothing or choose to do something completely risk-free that will restore your good credit and bring health and happiness back into your life. I encourage you to take action now.
Wishing the best to you and your family,
Jan Gudis
Founder Fresh Start
Licensed Mortgage Planner
P.S. Just in case you are wondering, the book contains 75+ pages of truthful factual information PLUS when you order the book, I'm going to throw in Bonus #1 6 months Subscription to my Preferred Client Newsletter as a BONUS so you will know the latest news, strategies, updates affecting your Fresh Start. There are several issues before Congress right now that I am monitoring, and I will keep you up to date as they progress through the process.
P.P.S. I'm also going to send you a Custom Worksheet as BONUS #2 so you can analyze your own D2C ratio quickly and easily. You may not understand exactly what a D2C ratio is right now and why it's important, but don't worry, after reading the book you will know and you will quickly and easily know what to do.
P.P.P.S. One final reminder. You have nothing to loose and everything to gain with my 100% no questions asked money back guarantee.
P.P.P.P.S. Don't keep settling for second best for your family because of your bad credit. Make the decision to reach out right now, take back control of your life, get yourself educated and get the fresh start you deserve. You are soooooooooooooooo worth it!
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