Have a question? Please take a minute to review the following questions and answers. If you would like to submit a question, or if your question has not been answered, please click here to email me with your question and I will strive to respond within 24 hours.

Q: I already sign up for my ebook, but I never receive any email from you

It look likes you use web based email account to subscribe, especially like Yahoo, Hotmail, or AOL email account.

These email system automatically filter the majority of incoming bulk or commercial email directly to your Bulk, Junk, Trash or Spam mail folder. Sometimes, even the emails from Yahoo/Hotmail/AOL administrators are filtered into your Bulk/Junk/Trash/Spam mail folder too.

If you receive my email in your Bulk/Junk/Trash/Spam mail folder that you would like in your inbox, you can set up a filter to redirect the email message.

Click here to find out more detail about how to setup filter in your free email account.

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Q: Is it safe to order your eBook online?

Because of the widespread popularity and payment options of PayPal, I use PayPay for all of the payment processing. PayPal automatically encrypts your confidential information in transit from your computer to PayPal using the Secure Sockets Layer protocol (SSL) with an encryption key length of 128-bits (the highest level commercially available).

When submitting your purchase information, you'll notice the lock icon on the browser's status bar, and the phrase https in the URL address for the secure order page. So your credit card or account information will be secure, and kept private during transmission through Paypal.

It is easier, faster and more secure to pay through PayPal. However, YOU DO NOT HAVE TO HAVE A PAYPAL ACCOUNT to make payment.

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Q: Is this a program you developed yourself or just re-sell someone else's program?

The book was written by myself. I NEVER resell or refer to someone else's program. It is not Tom Hua's "Credit Secrets" or Consumer Education Group's(Terry Price) "Credit Secrets Bible", or any other programs.

I have started selling this book offline since 1998. In June 2005, this book was available in PDF downloadable ebook version online.

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Q: I'm not sure your book is what I need?

My ebook not only help you remove erroneous marks, but also help to dispute the legitimate bad credit marks. It provides everything you need to know for repairing & rebuild credit and managing debt.

Most of information you don't even know they exist, because they are deliberately and clearly kept from you by the credit bureaus and the creditors!

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Q: Do you promise that I can get a perfect credit rating?

I DON'T guarantee that you can get prefect credit. I DON'T guarantee you can raise credit score by 100 points in 3 months. I don't make such promises. I don't know you...your background... your current credit situation...and your commitment.

Everyone's credit situation is unique. Your credit rating may need more work than someone else. What I can do is to provide you valid information that you can start using immediately.

But by following the guidelines and using proven techniques found in my ebook, I can guarantee that you can improve your credit rating.

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Q: Credit repair is too complicated to do myself. I would have to hire an attorney.

Everything the professionals could do for you, you can do it for yourself too!

In some cases involving a stubborn situation, an attorney can be of great assistance. An attorney can also help with clarifying the finer points of your state's laws.

However, you can accomplish most negotiation-based methods outlined in my ebook by yourself.

The Fair Credit Reporting Act gives you specific rights for getting the credit problems corrected. FCRA is designed to promote accuracy, fairness, and privacy of information in the files of every credit bureau.

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Q: Tell me more about the guarantee you offer...

I offer 90 days 100% money back guarantee. If you are unhappy with your purchase, and 90 days has not passed, I will 100% get your money back and no questions asked.

Credit repair process sometime takes 2 full dispute cycles to see adequate results. Each dispute cycle takes about 30 to 45 days to complete. So my guarantee covers your 2 dispute cycles!

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Q: Does your ebook include sample letters to the credit bureaus?

Yes, I provide sample letters in this ebook. But, I don't advise you copy the same words as sample letters. Otherwise, you could be rejected by the credit agencies. Credit bureaus could mark you as working with a credit repair company and can cause your future letters to be ignored, even denied.

My suggestion is using sample letter as template to create your own personal letters that fit your unique credit situation.

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Q: I am a British. Does your information also apply in UK?

No. The techniques and tips in my ebook only apply in USA. I don't know about the laws in UK.

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Q: Do you update your book frequently?

Yes, I update my ebook to reflect any new changes in the credit repair industry every 6 months. By purchasing this ebook, you are always get latest version.

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Q: Who do I contact if I have problems downloading or saving the ebook?

Everything is available for your immediate download! The ebook and free bonuses are downloadable for both PC and Mac users in Adobe PDF files. You simply need Adobe's free Acrobat reader to view them.

If you have any trouble downloading ebook, you can contact me via email. Include your full name and receipt number, I'll gladly email them to you as file attachment.

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