

“14,867 consumers have already used this information to increase their personal credit FICO scores lenders use to extend personal credit.
Now you can too!”
Dear friend,
If you're ready to find out how to boost your personal credit scores so you can qualify for virtually anything you desire and get the life you deserve, this special report will be the most important thing you ever read.
After you've gone through the report you'll then be able to use, one, or more of the 3 options (at the bottom of this page) to get even more help with your specific credit challenge.
Now to be extremely honest, the “Bad Credit” problem has now, especially in these economic times, become a massive internationally spread problem.
“Even if you have good credit, you are being discriminated against right now and the worst part is, you don't even know it!”
Hang tight though, I'm gonna tell you why very soon. Just keep reading.
It's been so unfortunate and truly frustrating to know everyday, hard-working people like yourself fall victim to the media and so-called “credit experts” lies about boosting credit scores and deleting negative data from credit reports.
That's why I felt completely compelled and a relentlessly motivated to begin offering this free informative consumer awareness, (get back at the credit bureaus, creditors & collection agencies) report.
My name is Robert Montoya -last name like the professional race car driver or the movie everyone seems to know the 1987 Movie “The Princess Bride.” Remember this, “Hello my name is Inigo Montoya, you killed my father prepare to die!” I love that movie, and enjoy watching race car’s go fast.
But the reality is, I am not either one. And no not Montana or Tony Montana from Scar face! Its Montoya.
I am not some high profile speed racer or a famous actor, I’m just a every day guy who discovered a hidden powerful secret formula that changed everything.
I don't act or race cars, but what I do best is save people like you thousands of hard earned dollars by updating, deleting and correcting credit reports each and every day. I have analyzed, reviewed and repaired thousands of credit reports, literally.

“Everyday Guy”
That Cracked The
BUREAUS CODE!
I have been in the credit recovery industry since 1994. Over the last decade I have watched in discuss as the creditors, credit reporting agencies (CRA’s) a.k.a. Credit Bureaus (same thing) including our very own Government (FTC) Federal Trade Commission spent millions of dollars to convince you that there is absolutely nothing you can do about your bad credit or low credit scores.
And that's completely FALSE.
99.999% of people don't even know there are laws that protect consumers against credit reporting and simply put, is not your fault.
Oh and by the way, the banking lenders didn't help either these last few years blaming consumers that it's there fault they stopped making their payments on time and in many cases even defaulted entirely on their loans.
Well, they need to “Look in the mirror”.
Who came up with all of the easy as 1,2,3 get a loan as long as your heart is beating and have a pulse programs. The underwriter probably got whiplash turning his head so many times as he slipped unqualified loan deals through the cracks and allowed millions of unqualified people become approved.
All the B. S. And lies stop right here now!
In this report I'm going to “Tell all” as if I were on the stand in court under oath.
I might be opening a can of worms with other industry pros or pretend credit improvement experts, but I really can care less. I think it’s time to “let the cat
out of the bag” and I will just take the heat for it.
Why? Because I feel you really need to know your legal rights so that you can take action without any further delay and setbacks towards reaching your goal and dreams.
I'm gonna share my own experiences and hand you on a silver platter “inside information” that has been closely guarded and hidden from you -until now!
As I relate to you, I'll do far more than open your eyes... I'll show you how to avoid becoming the next horror story we hear about in the newspaper.
After reading this report (and taking advantage of the additional resources I'm gonna give you) there will be no valid excuse you can come up with if you do become the next credit repair scam or low credit score victim!
So let's get to it...
The simple fact is:
Like any business the credit reporting agencies (CRA’s) AKA: Credit Bureaus are privately owned, for-profit companies & the Government is tired of having to respond to al the credit reporting complaints by consumers.
So the bureaus way of profiting is by selling your personal information to lenders and their main objective is to keep you in the dark at all times so you wont file a complaint while they continue their schemes covertly making billions of dollars every year reporting your negative data.
There scheme and thought process is this.
A person with bad credit is more likely to apply 10 X more than someone with good credit. This will result in less data sold to , lenders, landlords, insurance companies, mortgage brokers, auto dealers, employers and more with less profits to the credit bureaus bottom line.
Wow. So do you see their motivation to distract and convince you to give into their lies. It’s as clear as day what they are doing to everyone.
Trans Union’s owner’s are sought to be the most wealthy family in New York
City, right behind Oprah! So don’t feel so bad about leveraging your legal rights.
Trust me, they are not struggling financially like the rest of the nation.
When attempting to remove or delete a negative item on your credit arises, the CRA’s have their own systems in place putting up roadblocks and sending out automated letters of discouragement claiming your dispute is frivolous or incomplete.
They will take every known measure to keep you from having your accounts reinvestigated. Even as far a sending out a letter that says in short, “Your dispute has been sent to their legal department for fraud!” Like I said, every extreme measure is taken to stop you from knowing the truth and ceasing any efforts made correcting your credit reports.
Let me explain, in the 1970’s the credit reporting agencies were really starting to abuse the information they were reporting, so the federal government stepped in and passed a law called the fair credit reporting act (FCRA) This is a consumer protection law that is to ensure the accuracy and fairness of credit reporting. You can go to the FTC.GOV website and check it out later. It’s honestly a quite long and boring read, so I will spare you the pain and sum it up for you.
This ACT basically was put in place to regulate the credit reporting agencies from reporting inaccurate or unverifiable data on anyone's credit report.
Did you catch the secret word?
Yes! “Unverifiable”. That means the burden of proof is on the credit bureaus to obtain accurate and “Verifiable” data from your lenders and if not…
Poof! Presto, Bad Credit GONE, ERASED, DELETED FOREVER!!!
If you think that's amazing, just keep reading and I will show you proof on my very own credit report. Check out the results below. The first time I saw my own results, I nearly fell out of my chair I was so excited! If would like even more proof, just email me & I will send you a PDF with pages & pages of proof from over the years.
The FTC (government entity that in theory, at least in my opinion, regulates the credit bureaus) receives so many complaints each and every day about the abusive practices of the credit bureaus and their inaccurate reporting, that they decided to just post a notice within their literature on their website that say’s in summary,
“No accurate information can be deleted from a credit report and not even a credit repair company can help you.” Allow me to explain in plain English. What they are saying is, “There is nothing you can do about your bad credit but suck it up, live and deal with it. Sorry. Your on your own!”
Can you believe that garbage?
Wow, and just to avoid having to respond to or take the time to help us hard working tax paying citizens out. So please don't fall into their trap and steer clear
of the media and their false reports. I cannot believe how many are out there. I am starting to think the media works for the Government in some way. Probably.
While this might “seem” like an accurate statement by the FTC, it is far from the truth.
Sure you can attempt to repair your credit like you can extract your own tooth, but I don't recommend it.
Just as you would seek an accountant to give you professional help with your taxes and to ensure you get the maximum deductions, this holds true for a credit
repair expert assisting you with you credit to ensure maximum results and mitigate any further damage to your reports.
Now if you have a simple request such as a address error or name misspelling error then I would say that it makes sense not to hire a professional for such a thing. It is your legal right to restore your own credit (which by the way 99.999% of any other company will not tell you-except me).
But again, only if you have the qualifying tools and attributed like time, patience and follow-up and I almost forgot to mention, realistic expectations should you attempt to restore your own credit. One false “rookie” move and…
Game over. I have seen it time and time again.
When I was working at a men’s clothing retail store called Structure, now I think it’s called Express For Men in a local shopping mall back in 1994 I was just recruited into the financial services business with a company called Primerica or some call it Prime America.
I seriously didn't have a clue what I was doing in business or really anything that had to do with the financial world we live in.
Especially growing up in a home where my skill sets were to mow the lawn, put leaves into a trash can and pull the never ending weeds growing in the backyard.
I figured financial services has gotta be a little easier than pulling weeds, so I moved ahead.
My up-line (person above me in the multi level hierarchy with Primerica) said “go recruit any and every one you can.” So every person I saw I would ask them this simple question, “What do you do for business?”
I asked every single customer that came into the store this, until the manager caught on and told me to stop soliciting and that it was my only in final warning.
Whatever.
And I kept on soliciting anyway. Little did I know, the next customer I asked would lead me down a road that would change my life forever!
A short bald gentleman named Stan walked into the store and as he walked away from purchasing a sweater, I asked him the same question. He replied “I own a mini blind company and I can delete anything off of a credit report.
Wow.
It sounded interesting to me. By the way, this guy looked very rough. He had a thick silver bracelet and a bunch of gold jewelry on. I didn't know what I was getting myself into. So he gave his number and I called him a few days later.
A couple of weeks later I met Stan at a restaurant called the Lamp Lighter in Chatsworth California and he promised to show me how to repair credit and then after, he would give me so many clients that I could quit my retail job. As a result of his promises, I quit my job ahead of time. I hated working there anyway.
Come to find out later these two people, Ken and Nikki that Stan knew, they were actually the ones that had the “secret” to DELETING bad credit. So we all met one night out at a restaurant on a pier by the beach to give me the “secret” credit repair blueprint in exchange for some money.
After our meeting, Nikki pushed over a folder with a floppy disk in it.
How curious was I to see what was in that floppy disk. I couldn't wait to get home to check it out.
I though, finally, the secret formula to deleting bad credit, it's gotta be on this floppy disk. So I clicked “open” on my computer and...
Nothing! Nada. Zilch. I got ripped off!
They charged me $400 for a manila folder and a blank floppy disk. What a scam and a waste of time and money.
Have you ever felt that way dealing with a credit repair company? I understand.
It's so frustrating, isn't it. I would've been better off pulling weeds in the backyard and would have been $400 richer. At least I felt this way about time.
I was almost ready to give up. I was ready to go back into retail since I had quit on a promise and got duped for all my money.
But that's when an unusual thing happened.
A single really unexpected event that literally changed my life personally and in business as well.
This event would lead me the discovery of “How to delete bad credit permanently and increase credit scores in 72 hours!”
Now that I have learned and proven time and time again that my credit score boosting methods will work for most anyone, no matter if you filed for bankruptcy, or just have a 30 day late payment, I can now help anyone with a credit issue improve their credit.
How? Either by showing you how to establish credit or by deleting inaccurate, unverifiable negative data from all 3 credit bureaus, in some cases within 72 hours flat!
Skeptical?
I don't blame you...
If you had told me a few years ago that I could increase my credit scores in 72 hours, I would have shook my head and laughed a right at you.
So let me start by giving you a little background, because rest assured, cracking the bureaus code didn't happen overnight.
When my father, a Los Angeles City Firefighter in great health, at a young age of 50 was rushed to the operating room for triple bypass heart surgery, I had to step up.
When I was working that part-time job at that retail store I mentioned earlier was when I got the call.
I rushed to the hospital and didn't know if I would ever have a chance to see or talk to my father ever again as the doctors wheeled him away for open heart surgery.
So many things ran through my mind.
Is this it? Now what? Am I gonna still have a father? What’s next?
Have you ever felt this way?
Your heart literally just sinks into your stomach and you feel sick and helpless.
Needless to say after waiting for what seemed to be an eternity, the surgery finally was over and was a success! After the surgery though, it was gonna take some time for him to recover in the hospital.
After three weeks in the hospital, my father finally made his way home.
Another week went by and then the creditors started to call his home.
Can you imagine?
You just got out of heart surgery, wondering if you're still gonna live to see your kids and family loved ones and now the creditors are calling to collect from you like a crazy telemarketer back in the mid 90’s.
Here's the facts people.
Your creditors don't really care if you've been with them for years and have made them thousands of dollars in interest profits.
They are simply not concerned with your personal life.
Once you hit the 30 day mark, there is no grace period.
My father hit the 30 day mark on all of his bills, including his mortgage.
Can you guess what the servicing company told him after he explained his medical situation, hardship and why he was late?
They said “sorry sir that's not our concern and if you have to foreclose then I guess that's what you'll have to do.”
What????? Are you kidding me?
His credit that took him years to maintain and establish was ruined in a matter of days!
Something inside me snapped and I was not going to let this continue to happen.
I was shocked!
I still could not believe my ears. I could not just sit back and accept this type of treatment my father was getting.
So I began a personal mission and set out to crack the code of deleting negative data from credit reports and put an end to this predatory credit reporting once and for all.
I began to dig, sift and search for the answers I needed to combat the credit reporting agencies. I went to visit my cousin’s boyfriend that said he had a key ingredient to crack the “delete bad credit” mystery code.
He safeguarded his documents with the formula from everyone! It was a miracle that he even shared it with me. Trust me it was a miracle. But never the less he handed it to me.
All he gave me was a one-page document that all I needed to do was read it, re-type it, put my father's personal information on it and send it out to the credit bureaus.
Shrugging my shoulders I thought ok, I will send this out and see what happens. What did I have to lose anyway? $4.95 for certified mail. I have lost more than that in the past.
So on the 12th day I got a letter saying they were investigating, & within another 14 days I got my results back from the credit bureaus.
What! The CODE was cracked!
The updated credit reports said “We have completed our investigation and our results are as follows”:
Macy's -- prior paying history deleted. 0 x 30 days late.
Home Depot – prior paying history deleted. 0 x 30 days late.
Freedom Mortgage -- prior paying history deleted. 0 x 30 days late.
Best Buy -- prior paying history deleted. 0 x 30 days late.
And on and on and on...
Now I knew I was on to something BIG. Really BIG!
I began to study and master the art of removing bad credit methodically by challenging the credit bureaus direct and source creditors as well. In 2003 a new revised and amended FCRA (Fair Credit Reporting ACT) was passed. This new ACT allowed me to go directly to the source creditors and challenge them as well which created even more positive results. Leveraging the laws I discovered, I kept at it & soon I was known as the Credit KING. At least my client’s started to call me that. I kinda like Robert Montoya better though.
I eventually created and reverse engineered a time tested and full proof system that guaranteed results for repairing and improving credit reports and FICO scores, each and every time.
At this point, I gotta tell you, I ditched the financial planning business and moved full steam ahead with credit repair. I also pursued internet marketing as well, but I will share that with you another day.
Now... before I show you the system plans, it's critical that we discuss...
People just don't know how to deal with bad credit issues.
But now you will!
The really exciting thing about what I'm gonna tell you right now, is that by avoiding these 5 Biggest Credit Mistakes most people will make, this will guarantee your success efforts managing your credit & increasing your approval success rate with your lenders.
Here they are:
Any time there is financial difficulties, it's human nature to sometimes ignore the problem. Like many people with poor credit, you just may be waiting it out for the bad items to just fall off in 7 to 10 years. Yes, that's how long it will stay on your credit if you do nothing. Your score will remain poor and cost you dearly.
Your lenders view your score as a sign of poor character. We know that's not true.
Life circumstances happen.
An independent research group concluded that 80% of all credit reports have errors on them and Experian (one of the Big Bureaus) even admitted to it. Just know that anyone can fall victim to financial hardship and bad credit and no one is immune to it, even Donald Trump and Walt Disney.
Both filed for bankruptcy. So there's your proof.
So what ever the reason is for your bad credit problem, just remember that was the past. So you must leave it there and start taking proactive steps to take control of your credit score.
You need to take control of your credit score, and that leads us to Biggest Mistake #2.
More often than not, I hear people say that they bought their credit reports and scores online from one of these “Free credit report dot com” or should I say “dot
wrong” sites. I am sure you have seen the commercials with the singing guys in a seafood restaurant playing the guitar & singing dressed up as pirates.
Yeah you can get the report from them and the data reporting may be correct,
But hold up. Put the brakes on. Stop right there!
The credit “scores” they sell you for an additional $25 or more are not FICO scores and even worse, not the scores your lenders and credit card companies
even use to consider extending you credit.
The scores have been known to be 31 to 160 points off from your real actual FICO scores! You know, the scores your lenders use to qualify you to extend you credit. This is very, very, very misleading I tell you.
So don't purchase them, just save your money for a Starbucks drink or at least something else worth buying. By the way, I love coffee. I thought I’d sneak that in. But please no espresso, that will make my eyeballs & head hurt! Let’s continue….
Now, you can't take control of your credit score if you don't know what it is.
So I'm gonna tell you a secret where you can get the correct credit report with the correct scores that lenders use.
Here you go. www.MyFico.com (go there later, trust me keep reading)
You’re really gonna want to remember the next Biggest Mistake. This can be a credit score killer.
Remember, FICO or FAKE-O when ordering your credit reports to make sure you get the correct one.
It might seem to be logical that if you pay a collection account off that your score would go up. But the truth is, paying a collection account can be more damaging than ignoring it.
Did you know that each state has a statute of limitations? You might be asking your self, what the heck is that Robert?
This means the collector has only so much time to legally collect on that debt they purchased for pennies on the dollar. For example a $5,000 debt could be purchased for only $500 by a collection agency! Here is an example of the statute of limitations in California. The statute is four years from the date of last activity or delinquency. Each state has their own statute.
The fact is, collectors cannot re-age any account’s in their efforts to try to covertly extend their collection practices.
The point is, you may not even legally have to pay it and if you do, it will just renew the activity date, further damaging your scores and restarting the seven year clock, in which the item will remain on your credit report.
Don't get me wrong, I am not saying not to be responsible. What I am saying is if you plan on paying a collection account off or even for less than you owe, you
will have a opportunity to negotiate a payment for a deletion of the account entirely from your credit report!
See the letter below of what a actual deletion letter looks like! I get these all day long. So forget about what people tell you about deleting collection accounts! They obviously are blind to the truth. See the Deletion Letter Truth Below.
Before I forget, You can easily stop the harassing collection agencies from calling your place of work, home or anyone else for that matter. This is how. Keep in mind, the insider pros are really gonna get pissed at me now.
But I can’t help myself. I feel it would be unjust to not tell you, so here you go. Send them a cease & desist letter certified so you can make sure they received it. Attention it to the manager or person in charge or legal department.
After they receive this letter, as a consumer you are protected by the (FDCPA) Fair Debt Collection practice Act law. They cannot contact you ever again!
They can only contact you to let you know they received your demand letter & are going to comply.
If they do call or continue their collection efforts by phone or mail after you have confirmed your letter was received, then you can sue them in small claims for $1,000.00 per occurrence!
How sweet is that! You probably could start a side business just catching these collectors in violation and make a fortune! You see they have to follow rules as well and most of the time they are in violation. This is mandated under Section 805 (c) of the FDCPA. You see, I really am here to help!
Assuming that paying your bills on time and in full will guarantee good credit is perhaps the most biggest myth of the credit scoring world.
Let's face it. You can't fix what you don't understand.
In fact 22 different criteria go into determining your credit score, most which will fit into one of five categories.
#1 Payment History 35%, #2 The Amount of Money You Owe 30%, #3 Length Of Credit History 15%, #4 New Credit or Inquiries 10% and #5 Types Of Credit 10%. This is a hidden secret that most people don't know. But now you do. Check out the chart below.
In my experience you need to keep your (DTCL) debt to credit limit percentage at or below 30% of your high credit limit. So for example if you have a $1,000 credit limit, you're optimal balance would be $300. Go through each account independently for the best optimization results.
But now you will!
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I am so glad that I got the Credit Re-Score Boosting Plan in addition to the Credit Max Results Plan from Robert. It outlined all the actions I needed to take to raise my scores in 30-90 Days. What accounts to pay down & to what exact amounts to get me the highest score possible. Since then I took action & I have got my new scores & cannot be more happier with the results. What a relief. I almost paid off all my credit cards & found out just in time that doing this would have actually hurt instead of helped my credit scores. My score increase was over 186 points! This put me in the approval zone to move forward on some personal investing I wanted to do. I can’t wait to see next months results. Let’s keep it going!
Mercedes Luna – Los Angeles Ca |
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Most of the wannabe-pretend self acclaimed "experts" you find on the internet these days are out of work loan officers that used to be painters, gardeners & even possibly X-cons who know little or nothing about the real world of credit repair & score improvement. The only thing they are experts at doing, is taking your money & doing NOTHING for you.
The truth is, they're just trying to cash in on your pain and misery by selling you on a non-performing service and worst of all can’t even explain a what a FICO score is. They are clearly NOT qualified to even pretend to give advice and are only focused on taking your money & disappearing on you. Poof! And their Gone.
You need a TRUE in-the-trenches, get your hands dirty, trusted credit repair & score improvement expert that can answer all of your questions and also with a proven track record with great results. If they can’t provide this, please don’t become another victim.
You see, you need true insight and advice from someone who is passionate about what they do and actually repairs credit reports for a living every single day and enjoys doing it … like me!
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I met Robert through a good friend of mine. I have to admit, at first I was really skeptical. The main reason was because I had already paid 2 other companies that took my money & did literally Nothing! I paid one company 5 Thousand Dollars & the other 2 Thousand dollars. I had quite a few bad items reporting on my credit & I needed help bad. So Robert showed me positive results that other clients had with his service & plans. He even showed me his very own credit report with I think 9 or 10 Inquiry deletions. So I took the leap of faith one more time and you know what…it really PAID OFF! On the first round I got over 12 deletions & a few updates and corrections. I couldn’t be happier and every month seems like Christmas when I open up my mailbox to find more positive results. My credit in 90 days has increased between all 3 bureaus over 113 points and if I follow the Re Score Boost plan I just purchased, I will increase my scores another 114 points. Totaling 227 points! All this in 90 days! If Robert can help me with my credit issues, he can help you for sure. I would recommend him to everyone I know with good or bad credit. Without a doubt Robert can raise your scores & clean your credit and it won’t take years to do it. I am on my way to investing in real estate soon! 700 Club Here I come!
Asusena Huezo - Studio City Ca |
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Most people never even tried to repair their credit because they never knew there was a problem in the first place. They don't have a reputable credit repair company to go to and/or they've been ripped off before.
And if you have been ripped off before I am sorry about that. I myself have been a victim of losing money to a credit repair company that said they would do all
these wonderful things, but in end did nothing and simply disappeared with my last dollar.
I will tell you that one if these companies is called “You Can Too”. What I can get ripped off too? Jokes. It’s no wonder this industry has gotten a bad name.
Well I'm here to tell you, just like I have just given you the 5 Biggest Mistakes “Insider secrets”, I am here to help and give you more priceless information so that it never happens to you again. Ever. Believe it or not, the information I've given you so far is just the tip of the iceberg!
My friend Eddie had always said he had good credit and he thought his scores were in the high 700’s. To his surprise and disappointment when trying to
purchase a new truck, the sales finance manager told him he was declined and to maybe look at the pre-owned used trucks they had in stock on their lot.
How embarrassing is that. Especially when he told me that he just started dating this girl he was trying to make good impression on. So he told me how he was managing his credit, he always paid his bills on time and sometimes even on full. After looking at what he was doing, I saw that he was making most of the biggest mistakes I just told you about.
I revealed to him these secrets and explained to him his options. Well, in 72 hours he let me Rescore his credit and he got qualified for his brand-new shiny truck!
The lesson here is don’t assume that your credit score is awesome unless you see it prior to making some sort of purchase. Then you will have time to correct it if you see it ahead of time to avoid embarrassment or a decline notice.
You may be asking yourself…Really? 72 hours?
How? Is that even legal?
Yes! It's legal, and this is how you too can benefit from a 72 hour Rescore.
Maybe you have heard of Rapid Rescore or maybe haven’t heard of this little or unknown method and yet another hidden secret from you of increasing your credit scores in 72 hours flat.
So Robert, tell me more about Rapid Rescoring? What is it exactly?
This breakthrough is amazing, that's what it is. It's the fastest credit score correction process available to the credit world today. Rapid Rescoring is a
strategy I use now to get people the best shot at turning the wrong credit score into the right one, and it's about doing it as quickly as 72 hours!
It may sound like a scam, but I can actually remove errors and fixed omissions from your credit report within 72 hours. That's just one of the options you can select from at the end of this report. I work with the credit bureaus direct to correct incorrect, obsolete, erroneous information reporting on your credit. All corrections are made at the repository level and all changes are permanent.
This method really is ideal for those people that are in the middle of trying to buy a new home or vehicle or obtain any other type of loan. The 72 hour Rescore can really help you get the loan as well as the best possible terms and lowest possible interest rates available for your situation. Again, and best of all, the updates are permanent and will not reappear once corrected!
If you were a victim of identity theft, this can really speed up the correction process after the crisis so that your credit reports are restored FAST.
It gets even better...
This method requires no documentation and covers all three major credit bureaus Trans Union, Experian and Equifax. If you want fast results, then rapid rescoring may very well be for you.
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I was in escrow on a brand new KB home in Sylmar, California. I was close to closing escrow but my middle credit score had dropped just below qualifying. I had everything else verified except my score and the builder’s lender was going to pull again to make sure I still qualified for the loan. I was so stressed and could not sleep almost every night until I came across Robert’s website. So signed up for Robert’s Credit Repair Max Results & 30-90 Day Credit Rescore Boost Plan and my scores jumped over 90 points after I followed the actions & Robert Deleted some negative item’s off my credit report! It did take a couple of extra days by the time I got his agreement back to him and gave him the ok on the rest of the funds after my initial deposit. But So What! I closed Escrow and got my keys just about a month ago now. If you’re looking for a score boost & better credit, Robert is your GUY! Thanks Robert for lowering the stress I had buying my first home. All my best to you sir.
Noah Albiston – Sylmar Ca |
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After I fixed my fathers credit, I decided to take a shot at my own. I had quite a few blemishes since I had quit my retail job & was not working at the time for almost 2 months then started back up making some decent money in the home loan industry.
You see, I’m human too and fell into the unemployment club. What’s so funny is that being as late as I was and because I had discovered the secret to deleting negative credit, I really wasn’t too stressed out. But I needed to do something about it soon.
I was renting an apartment at the time & since the banks were giving out home loans like candy, I wanted one too.
So I ran my credit and saw my super low scores. If I recall, they were all in the 400 ugly range. The credit scoring models range from 300 to 850, with the higher sore being the better.
So I paid down some debts (not even a lot by the way, I think I spent $1,200.00 or even less) I Rescored my credit and within 72 hours flat, got a score increase of 291 points!
For the moment, that made my new credit sores right where I needed them to qualify. I anticipated a bigger jump as soon as I got my updated credit reports in the next 3 weeks.
My mid score, which is the score the lenders use to qualify, jumped up from a crappy 497 to a staggering 624!
The other 2 scores were a little lower still but again, I was still waiting in my results from the disputes I sent in.
Now I qualified for a home. The only problem I faced now, was finding one.
Since I was starting to make some good money I decided to go look for a home.
I picked up one of the little “homes for sale” books at the grocery store and saw a Track Home that had a floor plan of 5 bedrooms, a walk-in closet, his & her’s sinks, 3 fireplaces, a retreat area, a balcony with a view, 3 car garage, 3 bathrooms and a huge kitchen with an island!
I rushed over to the builder’s model homes & ran through the model 2 minutes before they closed their doors & bam! Down payment & the home was mine!
So as I described to you earlier, I was no where near good credit at the time. But I decided to make a change and do something about it. By the time my updated credit reports rolled into my mailbox, the builders lender pulled my credit again and BAM!
Again my scores skyrocketed another 163 points! My mid score went from a 624 and launched up to an astounding 724! I got a low interest rate of 4.625%, 30 Year Fixed Home Loan!
As soon as I moved into my new home, I went out and applied for new Coverable Nissan 350Z and was again approved without any problems or hassle.
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My Home Got Approved! |
My Dream Car Got Approved! |
Now please don’t get me wrong, I don’t tell you all this to brag or boast, I just wanted let you know it’s NOT gonna take “years” to turn thing around & to share with you some personal excitement and goals I had set for myself years ago that back then, I felt were so out of reach and honestly impossible that I was finally able to achieve. I hope your getting it. Your credit score is so POWERFUL & you can have the same opportunity I had and possibly more!
Only because I had boosted my credit scores up, was really the bottom line reason I was able to make this dream a reality and I am blessed to be living it.
That’s the gut-wrenching truth.
I am still am thankful for what I got and will never take it for granted. Just as important as boosting my scores, I still realize the importance of maintaining them.
Like flossing, we all know it’s good for us & so is pulling your credit every 4 to 6 months to spot-check it. But let’s face it, sometimes we forget, get too busy or put it on the back-burner.
You balance your check book, why not your credit?
Keep it in check so that you control it and not the other way around.
Come On.
If an “Every Day Guy” like me can make a decision to not live with bad credit, than you can too! There is no shame in having bad credit, just keeping it!
Instead of being held back for any type of purchase, merchant account, high credit card interest rates, high insurance premiums, renting a home, purchasing a home, refinancing your home, starting a business, renting a hotel, renting a apartment, financing furniture for your new place, purchasing a vehicle, leasing a vehicle, getting a new job or promotion, and more...
You now have the information you need to make a change from your current situation. Simply it starts with a decision to make that change now.
Friend, I don't know if you are fully aware of what a life changing impact a higher credit score can have, so allow me to show you an example.
First… Let’s say your applying for a $485,000 home loan and the derogatory marks reported on your credit drops your score DOWN to 620-639. Not terrible, but Not the Best.
That means your monthly payment would be about $2,986.00 without taxes & Insurance. Ouch compared to what I’m about to show you.. (See chart below to see how I came up with these numbers. I also put a chart up for an Automobile as well)
If you improved your credit score by 100 points… just see at what happens.
With a credit score of 639 boosted to 739, the same home loan would only cost you only $2,569 per month. Now we’re talking. You would save $417.00 each and every month. I don’t know about you but to me that’s a huge savings!
If you invest your savings wisely in a mutual fund or some sort of compounded, interest-bearing account with an average annual return of let’s say 10%. You will walk away with $1,187,168.92 in your retirement account in 30 years!!!
And that's just investing your home mortgage savings alone. What if you added in all extra payments you’re making on credit card interest, insurance and the other bills? Imagine the personal and financial freedom you would have.
Can you now see? Your credit score can effect when and how you'll retire, where your kids will go to school, and even where you'll live and work. The opportunity to boost your credit scores is within your grasp, right here right now!
Think about this...
...and so much more!
So you might be wondering right now, if all of my credit deleting & credit boosting strategies are so effective and life-changing, why are you sharing all of these secrets that have been kept me for all of these years so openly?
Here’s Why. I know for a fact you can have financial freedom by having great credit. I have seen it time and time again, not many people can buy a car, home or any large purchase with cash, especially in today's economy.
I believe credit is your most valuable asset today. Those 3 digits will control your lifestyle and possibly your children’s as well if you have any. College is very expensive and you might not be able to send your kids if your credit is damaged.
You may not be able to get them a car to drive to school and the list goes on and on…
Your credit score is really like a television. Most everyone has one. Credit scoring has become the global standard for qualifying applicants and will continue to be.
I want you to have a chance to retire someday. If you have poor credit and are paying high interest on your loans, your chances of retiring with enough money to just even eat are slim.
Now I don't know about you, but I want to eat and provide for my family in the future.
I am here to give you a break you may have never been offered prior to reading this special report. If you haven’t done anything in the past. It’s not your fault.
Maybe you didn’t know. Now you do. Maybe you were given unreliable or false information. Now you have the truth. Maybe you just found out you had a credit problem. Now you can do something about it.
Who else is gonna help you with credit success?
The government? Not likely.
Your creditors? That's a joke.
Your neighbor? Yeah right.
Your Facebook, My Space or Twitter friends? Let's not even go there.
You see, I knew from the day my father's credit got ruined due to his heart attack and triple bypass surgery, that I needed to keep moving forward, going the distance and had to just step up and use that unexpected awful incident as a stepping stone for a bigger and better cause and purpose.
I want to reach out to help you and so many others out there stressed which is causing health problems and suffering with sleepless nights and worried about high interest bills which is also causing personal relationships to fall apart because of credit related issues and debt. This is not to me the way life should be. We all should strive to eliminate any areas of stress in our lives so we can enjoy the time we are here with our family, friends and loved ones.
I have put these plans together to help you and many other uninformed and misinformed hard-working people out there looking for an answer like I was.
I want to give you all the tools you will ever need to change your family's financial and credit future... forever!
I know I covered all lot of information, yet I realize that there is no way that I can tell you everything I know in this report. I know you wan’t more help and that's why for the first time ever, I have a special offer, so you too can have better credit that will last a lifetime.
But...
Before I go on, I do need to let you know, if you're looking for some sort of instant miracle, magically erasing all your debts and credit blemishes within a blink of an eye, then you should not read any further because it won't be worth your time.
I am sick of hearing about those dishonest companies. All those credit repair scam artist that take your money and disappear and will freely tell you so many lies and take advantage of you just to get in your wallet or purse. Shame on
them. Just to give you an example of one of the lies out there you really need to avoid, keep reading.
One of the big lies out there is about filing for bankruptcy and having a new credit report within 30 days by starting a new identity profile. That's something called file segregation and that practice is illegal. I can go off on a whole new tangent with that topic, so I won't even go there.
But understand that I need to and I will…
Because I feel you should know the TRUTH about this lie. This method is reserved for high profile politicians, celebrities, lawyers & people in protective
custody situations only. Get caught doing this and you are not one of the above profiles I just listed, you go to jail. So put your track shoes on and run
the other way when you hear this being offered to you. Seriously. It’s a federal offense. No joke.
All these companies are good for is pick-pocketing people who only dream of such fictional tales and then their hopes are shattered when they find out shortly or even a year later the company or person they hired did very little or nothing at, all leaving you with a empty purse or wallet or even worse, your savings account.
On the other hand...
If you're interested in having a true, legal and real credit solution, where you can sit back on your lazy boy chair as you watch your credit blemishes fall off your reports like leaves in the fall season, month after month and your credit
scores actually increase as a result of updating, deleting or correcting your credit blemishes...
... then what I'm about to give you is the exact credit solution option plans to meet your wants and needs while accomplishing those goals.
That's right! I will back everything up with a guarantee no other credit repair company will even think about offering.
I'm gonna give you a unconditional 180 day $99.00, 100% money back guarantee!
Within 180 days of your enrollment into my services I do not update, delete or correct any negative unverifiable data from your credit report which will result in a
higher credit score from the day I pull your credit & begin work on your case, I will refund your entire investment and pay you an additional $99.00 for your trouble.
I will pay the consequences for not performing. Believe me, there is no way I'd make a guarantee or an offer like this, unless I knew for sure that my program plans will work for you, just like it has for the rest of my clients.
But obviously I can NOT afford to make this offer to everyone who comes knocking. My time is extremely valuable and because I provide my client’s unlimited ongoing support and updates, it really does force me to be truly selective in who I offer my service to.
Since I am including a exclusive, private and personal credit consultation also valued at ($400.00 USD) for the first few that enroll, I can only accept 35 requests for this offer.
Listen, you don't need two jobs and work a bunch of overtime hours to get ahead. All you need is the leverage of our easy credit repair option plans listed below to improve your credit scores and move up.
Fast Action FREE BONUS #1 "Yes, give me the “Advanced Personal ID Theft Emergency Kit” - I Want to Protect Myself & My Family Against Those Sneaky Thieves"
(Value $5,000.00+) Yours - FREE!!
Fast Action FREE BONUS #2 "Yes, give me the “30 Minute One on One Private & Confidential Credit Consultation” - I Want To Ask Some Additional Questions & Meet Robert Montoya Personally Via Phone"
As you can imagine, my time schedule simply won’t allow me to make this offer forever. You’ll have to act quickly if you want this bonus consultation.
So don’t wait another minute.
This Limited Time Bonus#2 won’t last much longer.
These are not your typical “leftover product” bonuses... this guide was created to protect your credit from inaccurate, erroneous and misleading information being reported on your credit and has never been offered in this way, especially for FREE -Until Now.
The lucky few of you that act fast and get these bonuses will instantly enter a new league of consumers that take action for success without looking back.
You are no longer a “sheep” or a wandering “zombie” or a frustrated person caught up in the endless cycle of credit repair lies and scams.
You'll laugh at the e-mails promoting to fix your credit but say, ”Just pay me $3,500 or more upfront plans”. Or just pay $35-75 dollars a month with NO end date for their services. This usually means forever! At least they hope.
They hope their “drips & drab” results will drag on the time you are paying them, year month after month and year after year. Many companies are notorious for doing this, is so just watch out! Now you know better. You'll see how ridiculous they sound now that you're on the other side.
Let the “wannabe pretend” experts play their silly games. At least you’re not falling for it anymore.
You see, I want to make sure you have the tools and information you need. I just won’t leave anything to chance. Consider this a “Just in Case my Identity Got Stolen Fail Safe Backup Kit.” You will have instant access to PDF BONUS #1 after your purchase is made.
I don’t want you waiting forever to get it. I hate waiting too.
You can keep these bonuses forever so in the future you can even help your family members or a friend out if they get in a ID Theft pinch if you want. The information and methods included in this kit will never expire and are all the latest years ago and are still valid today and will continue to be well into the future.
More importantly, I want you to have the piece of mind you deserve.
Listen, I will “give you the fish” and restore your credit through my services if you allow me to. I really am about truly helping and saving you future dollars and I hope you see that by my actions.
This ID Theft Kit is really Jammed Packed with all you need to prevent & protect yourself from such an incident if or when it occurred. Step-by-Step Instructions, Form letters I use in my practice & includes just way too much to list here in this report.
Fast Action Bonus #1 is like 5 tons of future cash savings stuffed into a bottle. Opportunities like this just don’t happen very often, I really hope you don’t let it slip away.
My accountant thinks I went crazy to give this away for FREE! I had to tell him to take it easy and just relax, but let’s face it, he does have a point.
I really am considering just keeping this Bonus a retail product of mine, you won’t find this on Click Bank or anywhere else on the internet I promise you that, at least not for FREE.
So get yours before I change my mind or get tired of my accountant yelling at me, which ever may come first.
As I promised…
If I don't perform, you don't pay, I pay you!
How good is that?
You see, I am so confident in my service that after six months, unlike those other companies that drag their guarantee on for an entire year, hoping and praying their methods will work so that they will not have to refund you your money, I will do better.
Way Better!
Within 6 months of your enrolment into my services, I will update, delete or correct any negative unverifiable data from your credit reports or your money back, plus I will pay you an additional $99 for your trouble.
Yes, you heard me correctly, I actually pay you if I fail to perform!
As you can see, I'm shouldering all the risk to bring you this once-in-a-lifetime offer. It's easily the best decision you make this year - and could potentially change your life forever.
Your decision is an easy one. Either keep paying thousands of dollars on high interest loans, credit cards and other predatory credit repair companies and struggle along and be led astray…acting as the punch line in the jokes the “wannabe pretend experts” tell behind closed doors.
OR…
Make today the day you finally break free from the prison of bad credit high unnecessary fees and interest and give the credit bureaus and creditors, let's not forget collection agencies, a taste of their own medicine. Because you now stepped up, they've finally met their match.
Believe me... it feels really good.
So good that I’m offering this to you for a very reasonable price and a Risk -FREE Guarantee that promises NO ONE gets left behind.
But, you must act fast. I cannot promise these prices will not go up and if they do they will be without warning.
The fact is, as you know, servicing client’s takes a lot of time and effort. So some day, I can’t say when, but I will “hang up the belt” and retire from servicing anyone any longer.
I plan on just offering up a DIY Kit or having a video course that will coach or show people how to do what I have been doing for over a decade, or both! I’m gonna do this so I can go back to spending time with my 2 daughters and wife.
So don’t delay.
Let's make things happen together!
Remember, you have absolutely nothing at risk here. I am backing this up with my six month, $99, 100% money back guarantee.
If I don't perform. You don't pay.
You would just e-mail me here at advancedcreditsupport@gmail.com and I will refund your entire investment, plus give you an additional $99, no hassle.
And if you were one of the lucky few that acted fast to get in on the bonuses, those are yours to keep as a gesture of saying thank you for trying out my service. In Addition, I'll even let you keep any other unannounced bonuses (if any) as well.
If that sounds foolish on my part, you may be right. But I'd rather get ripped off by a few bad seeds, then let any resistance keep the right people from getting their credit repaired, their scores improved and hands on these valuable bonuses.
I don't think I could make it any easier that I have. You really have no risk when you work with me. You see, I have given you real usable information others will not and I truly have your best interest at hand.
Just give me the opportunity to help you and you will see for yourself that the “supposable” 7 to 10 years “stuck with bad credit”, waiting period lie the credit bureaus, creditors and the FTC claims, is now over! Your not falling for the old “wool over the eyes” trick anymore. You are way smarter than that.
I get emails from many client’s everyday that are using my Services and Credit Score Boost plans and are seeing the positive results, and I want to help you too.

The price is the best part.
These packages are worth every bit of 10 grand because you can save 10 times that EVERY MONTH with my plans. You’ve seen my results... and if I can do this for others... I can do this for you.
Obviously I'm not asking you to pay $10,000 though.
No. The only way to take back the huge chunk of what the credit bureaus and creditors have stolen from us all these years is by making these plans accessible to everyone. That's why, against the pleas of my tightfisted accountant and business associates I work with, I'm releasing everything to you for a screaming bargain outlined below.
Plan A Credit Repair
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Plan B30-90 Day Credit
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Plan C Credit Repair
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**You have Selected Service Plan A (Credit Repair Max Results). You will be automatically billed 3 Payments of $397 every month for the duration of the 3 months from the date of your Enrollment Purchase for Advanced Credit ES Membership.
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**You have Selected Plan B (30-90 Day Credit Re-Score Boost Action Plans). You will be automatically billed 2 Payments of $198.50 every month for the duration of the 2 months from the date of your Enrollment Purchase for Advanced Credit ES Membership.
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**You have Selected Service Plan C (Credit Repair Max Results & 30-90 Day Credit Re-Score Boost Action Plans). You will be automatically billed 3 Payments of $496 every month for the duration of the 3 months from the date of your Enrollment Purchase for Advanced Credit ES Membership. |

I prefer to make 3 easy payments of just $397 each
Just 3 payments of $397 each will get me into your Credit Repair-Max Results Service Plan, Including The 2 Fast Action Bonuses!!!
I use my credit card today to make my first installment of just $397
30 days from today my credit card is charged for the second installment of just $397
60 days from today my credit card is charged for the third and final installment of just $397.00... for a total of $1,191.00
I also understand that your 180 day $99.00 money back guarantee allows me to see some results during the process while I am in the program, and if I don't see any results... I simply ask for a refund in the first 180 days and you'll happily refund 100% of my purchase price, plus pay me $99.00 for my trouble.
Everything else is still the same, I just like taking advantage of your 3 easy payments plan to get started with your amazing service plan.

I prefer to make 2 easy payments of just $198.50 each
Just 2 payments of $198.50.00 each will get me your 30-90 Day Credit Re-Score Boost Action Plan, Including The 2 Fast Action Bonuses!!!
I use my credit card today to make my first installment of just $198.50
30 days from today my credit card is charged for the second and final installment of just $198.50... for a total of $397
I understand that there is no money back guarantee for this product since the action plan is time sensitive typically 30-90 days from purchase to compete the actions outlined in the plan(s). Once the plan(s) are reveled to you, the information contained can be easily copied & therefore all sales are final for the documents purchased without a refund.
I will personally review & highlight the main action points on your customized plan & If you need help reviewing it, (so easy to read but the way) I will gladly HELP YOU! When you call to set up to FREE Credit Consultation, we can review it together. That’s my guarantee & commitment to you and your credit success!
So what is guaranteed, is the results you will get when you follow this action plan(s) on your quest to improve & boost your credit score(s) that apply within a 30-90 day period from your purchase date. Unfortunately, No Actions taken by YOU on this plan = No Results. You may need to have some expendable capital to complete this plan & results will vary from person to person.
I just like taking advantage of your 2 easy payments plan to get my 30-90 Day Credit Re-Score Boost Action Plans.
*In some cases you may only receive a plan from 2 or 1 of the 3 Credit Bureaus Experian, Trans Union & Equifax. Reason: You may not have enough credit history on one or two of the 3 bureaus & therefore there will be no plan for those bureaus. This is not common, but doe’s & will happen from time to time.

I prefer to make 3 easy payments of just $496 each
Just 3 payments of $496 each will get me into your Credit Repair-Max Results Service Plan & the 30-90 Day Credit Re-Score Boost Action Plan, Including The 2 Fast Action Bonuses!!!
I use my credit card today to make my first installment of just $496
30 days from today my credit card is charged for the second installment of just $496
60 days from today my credit card is charged for the third and final installment of just $496... for a total of $1,488.00
I also understand that your 180 day $99.00 money back guarantee allows me to see some results during the process while I am in the program, and if I don't see any results... I simply ask for a refund in the first 180 days and you'll happily refund 100% of my purchase price, plus pay me $99.00 for my trouble.
Everything else is still the same, I just like taking advantage of your 3 easy payments plan to get started with your Credit Repair-Max Results Service & the 30-90 Day Credit Re-Score Boost Action Plans

Here’s your chance to make a change for the better. Remember, If nothing changes, then nothing changes. Credit is not to be feared, but rather a tool to build financial security.
I am really looking forward to sharing with you. It’s taken me a very long time, about 11 years to be exact to finally get this out there to you in a way no other person or company would. I am very proud of being able to do this & I know you won’t be disappointed.
I am not here to brainwash you like most others out there would try to, I know you are much smarter than that. That's why I give you a menu of options for you to select and decide for yourself what plan fits your current situation.
All options will bring you a better credit score and save you thousands of dollars in unnecessary interest. Your decision will really be based on how fast you want to go.
I recently told my drummer friend Dave who's played with some big names in the music industry, like Phil Collins, Jason Bonham Band (son of John Bonham from the late Led Zeppelin) and an alternative band called Simple Plan, what I was including for those few serious people that took action and this is what he told me.
“Hey dude, I can't believe you're actually releasing this stuff man for free, I thought you were gonna keep these secrets to yourself forever!”
Rock On Robert!
–Dave Moreno, Granada Hills, Ca
My buddy Dave even saw the extreme value in what I’m doing for many people by helping them navigate through the minefield set up by the credit bureaus & he is a no nonsense type of guy.
If you want a better credit score and a better credit profile, I doubt there's a better, more certain shortcut that this.
You see, it takes real courage to jump out of the box, leap over the mediocre “zombie” crowd and make a firm decision to create credit freedom.
I want you to be a “true player”, not a bench warmer!
There's an old adage: even the timid turtle must stick his head out of his shell to move the head.
Bottom line is: taking a giant step forward to take control of your personal credit will be paramount to your financial future and success.
Procrastination can be a killer when it comes to restoring your credit.
Today you can be well on your way to better credit, lower interest rates, better loan terms, credit card approvals, lower insurance premiums and much, much more.
I have always believed that the secret to success is to do just the opposite of what others are currently doing now which is…
Nothing!!!
So if you are proactive and do something, you will have a much better chance of success and financial freedom in your personal and financial life than most others will. Guaranteed.
Just remember that every dollar you invest into my credit improvement services, is an act of liberating defiance...
A giant finger to the billionaire, filthy rich credit bureaus and credit industry rip-off artist scammers that have been taking advantage of trusting people like you and I for long enough.
Isn't it time you took your life & money back from them?
It was rightfully yours all along anyhow. And it's much sweeter knowing every update, deletion and correction on your credit report is one more brick out of the CRA's empire profits and back in your pocket book where it belongs.
I truly want to help you get rid of any bad credit that is holding you back from your goals, wants, dreams and needs in your life.
I look forward to joining you on what I believe will be the ride of your life.
To the American dream of credit freedom and a new and better life style!
Always Dedicated to your Credit Success and More,

“Everyday Guy”

Robert Montoya
Helping You Live Your Dreams…
P.S. Imagine being able to boost your credit score and qualifying for most any type of loan that you desire, getting any job you would enjoy, driving any car in the showroom floor, and otherwise never being embarrassed about your credit score ever again. Well the time is now to prepare for tomorrow. I can get you there & It's possible, but only if you allow me to show you the way.
P.P.S. One more very important thing. In case you're STILL on the fence about this, remember I'm throwing in a 180-day, $99.00, 100% money back guarantee for Plan A & Plan C “Service” portion of the plan. If I don’t perform, you don’t pay, I'll gladly refund your money any pay you an additional $99.00 for your trouble - no questions asked! That's how confident I am that my services will improve your credit profile & credit scores…like I have mine!! Would you like to do the same? If So, Here is Your Last Chance, Order now!
