A FAMOUS MAGICIAN once warned his students: \"Never tell anyone
how you do a nick. People are always amazed when they first see a magic nick，
and want to know how it s done. If they find out， they re no longer impressed.
They say， Is that all there is to it? Even I could do that. \"
Credit improvement is a kind of magic. Because the results are sometimes
amazing， people often think that something mysterious is involved. Like magic，
however， credit improvement is largely a matter of technique: Anyone can do it.
The purpose of this handbook is to show you how.
Much of the information contained here has never before been made
available to the general public. It is culled from confidential interviews with
insiders at the major credit reporting agencies， specialized legal publications and
court records. Most important， the information here is based on more than ten
years of experience in personally assisting hundreds of consumers with their
credit problems.
Knowledge， of course， is power. And power can be used in many
different ways. I sincerely hope you will not abuse the privileged information
that is shared with you here. This book was not written for the purpose of either
assisting or encouraging any kind of fraud or illegal activity.
This handbook was written for the purpose of helping you， the consumer，
take full advantage of what you are entitled to. I want to help you make the
system work for you， instead of against you.
This information can help you better achieve your full potential， to be all
you desire to be in life， to enjoy all that you deserve to enjoy. Always remember
that credit is a privilege. Use it， by all means， but please do not abuse it.
Before we go any further， I hope you don t mind if I tell you a little story.
It s the story about how I became involved in credit improvement. I d like to
tell it to you because I think my experience may shed some light on the subject as
a whole for you.
Some time ago， to make a long story short， I was having credit problems
of my own. My problem was not bad credit. My problem was insufficient credit
(credit history， that is). I had set a very important goal for myself. That goal was
financial independence. I soon realized that credit was the key: It s hard to
achieve financial independence without leverage and it s hard to have leverage
without credit.
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