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How To Become Debt Free!
"The Debt Relief Secret"


by Andrea R. Villarreal with Better Scores Better Rates
"Credit Problems? NO problem ..."
"We can erase your bad credit—100% guaranteed."
"The Secrets that the Bureaus don’t want you to know about obtaining AAA Credit!"
"Create a new credit identity—legally."

I’m sure you’ve seen these types of advertisements all over the place. It seems like when I’m in my car at a stoplight I see the signed stapled to the light pole “WE FIX CREDIT”, or flashing advertisements on the internet “Legally Erase Bad Credit”. I’ve even met people who claim that they have a “special disk” that holds “all” the secrets of credit repair and I’ve purchased a few books from Credit Repair clinics. I’ve also heard one couples horror story about paying a mortgage lender $2,000 to hack into the credit bureaus computers and remove all the bad credit.

My all time favorite scam that thousands of people have done is crediting a “new” identity. This is done by applying for a new social security number or slightly altering your social security number or name. Then you are encouraged to apply for new credit with this new identity. This whole concept is packaged and sold as “The secret that the Credit bureaus don’t want you to find out” and you typically buy this “program” online and download the book.

What this person or company is teaching consumers to do is quite frankly…. ILLEGAL! When a person signs a credit or loan application they are solemnly swearing that everything is true and correct. If they are not disclosing they have two social security numbers or misspelling the middle initial they are lying on the credit application and potentially committing bank fraud.

What these Change Your Identity companies are also neglecting to tell consumers is that with the “new identity” they will have No Credit. Having No Credit is just as bad, if not worse, as having Bad Credit. With both scenarios applying for new credit would require signing up for a secure credit card with a high interest rate. The difference between the people with the bad credit is that they would not be commit bank fraud by putting a bogus or newly developed social security number.

Being a Credit Bureaus FICO Specialist I can testify that it is true you can improve your credit anywhere from 25 to 200 points in as little as six weeks. However, it is not something that a person who is advertising on a light pole or teaching your how to obtain a new identity can do for you. Having good credit is more than just trying to take off negative marks on your credit report or trying to create a new identity.

If you have been encouraged by a Credit Repair Agency to alter your identity or have been told that they have “friends” who work at the Credit Bureaus then I suggest that you file a complaint against them with the FTC (Federal Trade Commission)*. What many people are not aware of is in a Criminal Court of Law the excuse of “I did not know I was committing a crime” or “they made is sound so legal” usually does not hold up as a Defense to Committing a Crime.

FTC claims and actions taken against Credit Repair Clinics on behalf of the average consumer


http://www.ftc.gov/opa/1998/08/quaite-2.htm August of 1998

* The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.


For do it yourself credit repair, go here; http://www.creditrepairpublishing.com/


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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
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PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.