Best selling author and the nation’s
leading credit scoring expert asks...

• Mistake #10:   Have you borrowed money from a finance company?
• Mistake #19:   Have you ever transferred your credit card balance to another credit card in order to get a lower interest rate?
• Mistake #20:   Have you ever applied for a department store credit card to get a store discount?

If you answered "YES" to any of these questions—then you've made a credit mistake that has decreased your credit scores. When you stop making these mistakes, your credit scores have no choice but to go up and you'll get approved for credit cards, home loans and car loans which you were once declined. Plus, you'll even pay lower interest rates and insurance premiums.

Dear friend,

If you've found your way to this web site, you're obviously concerned about how to get a good credit score.

Maybe you just ordered your credit scores and saw that they're low and want to increase them.

Or you're about to apply for a mortgage or buy a new car and want to raise your credit score so you can make much lower monthly payments than what you're currently being offered.

Or maybe your insurance premiums increased or you were denied insurance (because your credit scores were too low) and are desperate to raise your scores quickly.

Whatever your reason, you're fortunate to have landed on this page.

I'll show you the real secrets on how to change a low credit score into a good credit score that will get you approved for the lowest interest rates and best deals.

My name is Stephen Snyder. And before I learned these credit score secrets, my credit scores were low. To be exact, they were barely over 500. Part of the reason they were so low is because I filed bankruptcy. So you can imagine what a bankruptcy can do to your scores. Not pretty.

But only eight months after I filed bankruptcy, I increased my credit scores to the point where I got two Visa bank cards, a new home mortgage, two new car leases, a small business loan, and more — all at low interest rates from mainstream lenders.

I was so successful in recovering — I wrote a book on the techniques I used to recover from bankruptcy and it sold over 325,000 copies. It's still stocked at most major bookstores even today.

I learned how to increase credit scores and establish good credit the hard way — by experience. What I know about increasing credit scores you won't learn from the credit reporting agencies or a credit counselor. And everything is above board and ethical. So you don't have to worry about doing anything shady.

Shortly after my success, I started giving seminars showing others how to increase their scores. As of May 2005, through my popular seminars, I've shown 154,971 people with low credit scores how to get good credit scores.

And I'm often the "go-to" guy when the media wants accurate information on credit scoring. I've been featured in The Wall Street Journal, Newsweek, Smart Money, The Washington Post, Bloomberg Television, CBS MarketWatch, CNNfn, CNBC, Family Circle, Better Homes and Gardens and other media outlets.

I don't tell you this to impress you — but to impress upon you that I know what I'm talking about when it comes to building a good credit score.

How I cracked the credit scoring code

I'm one of the few non-lenders who is trained twice a year by FICO^® to learn the intricacies of credit scores. FICO stands for Fair Isaac Corporation. Bill Fair and Earl Isaac are the two gentlemen who created credit scoring in 1958.

Two to four times a year I fly to Fair Isaac's corporate offices to learn the subtleties and changes of credit scoring.

Between the fee I pay to Fair Isaac and the cost of transportation and lodging, each of these trainings costs me between $10,000 - $15,000. So I'm one of the few experts that puts my money where my mouth is.

In other words, I've paid my dues and I know what I'm talking about. As crazy as this may seem, credit scoring is my life and I'll put my knowledge, expertise and practical experience up against anyone at anytime!

After years of training, I have a thorough understanding of how credit scoring works. I take everything I learn and boil it down to easy to understand bits of information you can take and put into action immediately.

The most important lesson I've learned from Fair Isaac and my personal experience is this...

The surest way to increase your credit scores is
to avoid everyday credit mistakes

A credit mistake is anything you do that decreases your FICO credit score without you realizing it.

For example, did you know...

• …If you close a credit card account—your credit score can go down?
• …When you borrow equity from your home in the form of a home equity line of credit—your credit score may go down?
• …When you're shopping at a department store and the cashier offers you a discount on your purchases if you apply for the store's credit card — if you accept, a credit inquiry will show up on your credit reports and your credit scores might go down?

Low credit scores = higher insurance premiums

Here's a letter that an insurance company sent to a client with a good credit score. It shows exactly what the savings are between the different credit scores.

If you have a low credit score—you’re paying as much as 38% MORE for the exact same insurance as someone with a higher credit score!

It almost doesn't seem fair—does it? But fair has nothing to do with it. If you want to pay less for insurance...pay less for your car payments...pay less for your mortgage payments and save money on all your credit purchases—you need high credit scores. And a sure way to increase your credit score is stop making credit mistakes!

Probably not. Most people don't.

And these are the most obvious three mistakes. I've discovered 35 other mistakes most people make!

Every time you make one of these credit mistakes—your credit scores can go down by as much as 112 points! In fact, my scores went down exactly 112 points recently when I made a credit mistake. I had taken out a home equity line of credit - which made it look like I had much higher revolving debt than I actually did. When I switched it to a home equity LOAN - my credit scores shot back up.

Just one mistake can reduce your credit score to the point where you'll get declined for credit. Or pay outrageously high interest rates if you do get approved.

Paying your bills on time is not enough

Back in the good 'ol days — all you had to do was make sure your bills were paid on time — and odds are — you had good credit.

But times have changed. Today, there are hundreds of factors that contribute to your credit score.

You see, when you apply for credit—there's a right way and a wrong way to do everything.

Do everything right—and your scores go up. But do just one thing wrong—and your scores plummet.

Avoiding credit mistakes is simple
when you know what they are

I just made this part easy for you because I've collected the 38 most common and devastating credit mistakes that cripple FICO credit scores.

And they're all explained in a very easy to read format in my new book, titled: Do You Make These 38 Mistakes With Your Credit: How increasing your credit scores will improve your lifestyle.

With a copy of this book, you no longer need to guess on how to increase your credit scores. You can have the answers at your fingertips.

Here's what an executive at Fair Isaac (creators of the credit score) had to say...

Revealed, many for the very first time ever, are strategies that really work. Not only have I used these techniques to increase my own personal credit scores to over 800—but I've shared them with many others who've also raised their credit scores to new highs.

Here's just a small sample of what you'll discover in the book...

If every mistake I just listed saved you just 3 points on your FICO credit scores—by avoiding these mistakes your scores would be at least 51 points higher!

Just 5 points can mean the difference
between putting no money down
on a new house or needing to put 5% down

An increase of a few points on your FICO score can be the difference between paying 4% interest or 22% interest on a car.

Of these 38 mistakes, I would say at least 36 of them are very simple for you to correct. The remaining two you may need to do a little leg work. I even recommend resources to help you with these two.

But you don't have to take my word on how this book will help you increase your credit scores and improve your credit. See what early readers of the book say...

If you're ready to stop making credit mistakes — and increase your credit scores — click here.

Fast and simple

Do You Make These 38 Mistakes With Your Credit is like the lazy person's guide to increasing credit scores. There's no hard work involved. Ninety percent of successfully increasing your credit scores is knowing what to do and when to do it.

No matter how much debt you have or how bad
your credit is...you can follow the tips in
this book and raise your FICO credit scores to
new highs to improve your lifestyle

I've personally used each and every one of these strategies to raise my FICO credit scores to as high as 810, (this puts me in the top 8% of all credit scores in the U.S.) 850 is the highest FICO score you can obtain. But I've never seen anyone with a score higher than 830 - and over the years I've reviewed thousands of credit reports and credit scores.

Once you get the book and start to use these strategies—you'll see your FICO credit scores rise.

And when your FICO credit scores start to rise—you'll be astounded at how much more respect you get from banks and lenders! Instead of treating you like dirt—they'll treat you with respect, like an old friend!

You won’t find all this
information anywhere else

This is not the same old rehash of information you get from other sources, such as "pay your bills on time...don't miss any payments...etc." Much of what I reveal in the book is new information that's never been revealed before.

Receive a special bonus when you
order from this web site

You can go to Amazon.com or most bookstores and buy the book. But, when you order from this site—I'll include a FREE bonus of the complete book on audio CD. I read every page of the book to you. So if you're not in the mood to read -- just pop the CD into your CD player or car stereo and listen.

You can't buy the CD in a bookstore or on the internet. In fact, it's not for sale anywhere at any price. You can only get this package directly from me for only $29.95 by clicking here.

That's right—only $29.95...

A fraction of the cost of
what this information cost me!

As I mentioned before—I pay Fair Isaac—the creators of the FICO credit score—thousands of dollars for each personal training session I have with them. You would pay at least that much to get the same training — assuming they would even train you. And that doesn't include the cost of transportation and hotel, etc.

Or you can just get your copy of Do You Make These 38 Mistakes With Your Credit and quickly discover how to increase your FICO credit scores for only $29.95.

When you consider that avoiding just one mistake in the book can save you hundreds, even thousands, of dollars each month on your mortgage or car payments — this book is an incredible bargain.

And by examining the book, you have nothing to lose except your low credit scores because it comes with a...

So don't delay...begin raising your credit scores today!

2 Easy Ways To Order...

1. Click to order securely online
   by credit card
2. Pick up your phone right now and dial toll free 1-866-272-6396 and tell the associate who answers the phone that you want to take advantage of the 38 mistakes book and CD special.

Keep smiling,

P.S. Everything in Do You Make These 38 Mistakes With Your Credit I've used myself to increase my personal credit scores to above 800. And remember, when you order from this website right now, in addition to the book, you also get the book on audio CD as a FREE bonus. The CD is not available anywhere else.

P.P.S. I thought you may be interested in what some other respected credit industry "insiders" have to say about my book...

Click here to order
Do You Make These 38 Mistakes With Your Credit
right now