Review My Recommended Credit Repair Guides

Legally Remove Derogatory Accounts bankruptcies, slow pays, collections, tax liens, judgments, evictions, etc See Credit Secrets Bible

Sample  Dispute or Deletion Letters that don’t get “red flagged” like 94% of what the credit bureaus get.  Info not found on the web or taught by any other credit repair course See Credit Secrets Bible

Overwhelmed with Debt Use 5 unique letters to pay off bills for 35-cents on the dollar. Avoid BK, avoid hiring a debt consolidation service See Credit Secrets Bible

Sue Your Creditors Use the Law. Get even with stubborn creditors, collection agencies.  Collect $1,000s in fines See Good Credit is Sexy

Get Rid of Debt Collectors  Stop them dead in their tracts using the law See Credit Secrets Bible

Add Seasoned Credit in 45 Days  Get up to $20K of unsecured credit and up to 20 years of credit history See Credit Secrets Bible

STOP Foreclosure or recover a home after foreclosure using special consumer protection laws. Get even with your mortgage company See Credit Secrets Bible

To answer this question, is no credit bad credit?, let's put it in the framework of something that millions of people do almost every day - go to the gym.

Why do people go to the gym? You go to the gym to build up your body and feel sexier. You like the way you look in the mirror when you're in great shape, don't you? You have confidence, too. People of the opposite sex find you more appealing.

Wel,, it's the same with creditors - they love to see the power of your "credit muscles" (your repayment history). But what if you haven't built any credit muscles and you're past college age and you're still a 90-pound credit weakling?

You'll have difficulty attracting that special someone will to trust you with a loan.

Four ways to add good credit to your report

Here are four techniques to building up your credit muscles:

1. Piggyback on a friend
2. Get a secured credit card
3. Seek easy credit
4. Keep your account active

There are specific steops to follow to implement these credit muscle building strategies.

FYI: Credit lines that won't help you

First of all, you'll be interested to know that there are credit lines that won't help you. These include:

Private loans from relatives or friends
Loans for cars from small car lots
Rent payment
Utility payments

Gym Training Needed

Establishing good credit is a process and one that needs to be done if you want to break away from the image of a 90-pound credit weakling. Like any endeavor worth pursuing, there are steps that need to be followed in order to master a new skill.

A professional trainer is available to help you build your credit muscles the right way. I highly recommend the instruction given in the expert book, Good Credit Is Sexy. Check it out in this section Expert Credit Repair "How To" Guides.

I have my own copy. Not only will you learn the details about building a credit history from scratch that will attract the right kind of loans for you, there is a wealth of answers to questions related to good credit.

Here’s a few:

Q: Why would you want to obtain your credit report?
Q: How long do negative items stay on your credit report?
Q: Credit card types – which card should you get?
Q: Credit cards vs. debit cards – is one better than the other?
Q: Billing errors and overcharges – how do you dispute them?
Q: If you happen to pay your bill in full before noticing an error – then what?
Q: Want to buy a home?
What income can you count?
What debts count against you?
What is the debt-to-income ratio all about?
Who has the better deal – bankers or mortgage brokers?
Is your loan officer jacking up your interest rate?
Q: Are 2nd mortgages a good idea? Q: Automobiles – What is rule #1?
Q: What should I know before I get a student loan?
Q: How can I protect my credit?
Q: What do I do if I become a victim of identity theft?
Q: How does divorce affect my credit and my debts?
Q: What are my rights dealing with a collection agency?
Q: Can I really negotiate the payoff of my unpaid debts?
Q: Are Consumer Credit Counseling Services a good idea?
Q: Can I avoid bankruptcy?
Q: What is the secret to having a family budget and money left over every month?
Q: Can I really fix my credit?
Q: What do I do if old, removed, items reappears on my credit report?
Q: Do credit repair agencies really work?
Q: How can debt validation help me?
Q: Can a judgment against me be overturned?
Q: How do I sue creditors, collection agencies and credit bureaus who violate my rights?

For more information on this expert credit guide manual, check out check out Good Credit Is Sexy