Unlock Your Full Potential with Credit Secrets Revealed and "Hulk Up" Your Credit and Credit Score.

July 29, 2009 - PRLog -- Does this sound like you?
You do not have a very good credit score but you want to change your
credit report for the better to help yourself and your family. Why wouldn't
you? You may want to do this quickly, adding positive aspects to your
credit report. But don't be fooled into getting rid of all the negatives on your
account and not leaving any positive credit ratings; this then gives you no
credit score, which can in the long run be just as damaging as a negative
one.

Or, do you have high debt and feel there is no way out? If this is you, then
you probably have some good credit, but you have so much bad credit that
you have debt encircling you and getting ever closer. You need to be able
to pay back your debts for as little as possible to start on the road of
correcting your credit rating. Again, you need to be able to add positive
credit to your report to counteract the negatives.

If you have no credit whatsoever, you are in a minority. The good thing to
be said about that is that all you really need to do is get some credit onto
your account. The trick with credit is to know when enough is enough. Don't
be tempted to get too much credit and not be able to pay it back, thus
destroying your credit rating. That will just send you rushing back to refer to
this guide once again, so just make sure you read it carefully the first time
to avoid that!

In other words, this guide is for anyone and everyone who relies on credit
in their day-to-day lives—and in today’s society, that’s all of us. Follow
along carefully and learn the secrets the credit card companies don’t want
you to know—the secrets that will let you lead a more secure, happier, and
better life.

Having bad credit affects not just what you want now, but also what you
can have in years to come. Your credit score will affect everything from hire
purchasing to getting a mortgage. That is why it is vital you keep any good
credit that you have and keep the bad credit ratings away.
Bad credit ratings generally come from missed payments on things such as
loans, mortgages and credit card payments. To sum it all up, bad credit
comes from any time that you don't pay back any money that you have
borrowed from banks, building societies or other lenders.

Are you in the so-called 'prime sector,' the 40% of the population that has
an excellent credit rating? If you miss one mortgage repayment you may
drop a point or two, but overall it will not affect your credit rating.

You can see that most people aren't in this group. 60%Sixty percent of us
are in the sub-prime sector with a less than perfect credit score. The way in
which your credit rating is scored varies greatly when you are in this group.
If you miss a payment on your mortgage you may drop 20 points on your
credit score; if you miss a payment on your credit card you may lose more.
But just imagine: If you were in the prime sector of ratings, you may not
drop any points whatsoever. That might not sound fair, but it’s true.

Also, there is no way to know for sure how many points you will drop for missing payments. It’s completely unpredictable, and you never know exactly what is happening.
That is why you need to read this book!

http://www.mycreditsecretsreveal.com/