Last updated: 8/2008

DIT REPAIR EBOOK
WILL SAVE YOU HEADACHES, TIME AND MONEY
I've used the techniques in this ebook to REALLY repair inaccurate items on my own credit reports as well as help many other Canadians get into better control of their credit reports and credit scores.
-Monty Loree

Letter from the Author: Monty Loree

I got started into the credit repair process in January 2000, when I got a call from an out of province collection agency. This collection item was completely unfounded and the amount they were claiming was never agreed to by myself in any contract. Being that this was my first experience with a collection agency, I decided to immediately take the offense and not be pushed around by the collection agency's usual tactics. I immediately called the Ministry of Justice - Consumer Protection to ask for advice. Consumer Protection were somewhat helpful, but were asking me to spend hours writing letters of complaint.

After getting the run around from the creditor, the collection agency, and the credit bureaus, Equifax Canada and TransUnion Canada, I hired a credit repair company in Texas, USA to help me get the collection item off of my credit report. Needless to say that I was pretty skeptical about getting any results, because I had fought for almost a year to get my credit report cleaned up. The fellow in Texas managed to get this collection item cleared off of my credit report in 6 weeks! I spent $850.00 USD on his service but was completely impressed.

CREDIT REPAIR INFORMATION NEEDED IN CANADA
After researching credit repair in Canada I realized that there isn't any help online or any where else for Canadians who want to fix their credit.

I've spoken to hundreds of people with bad credit who have told me the same thing: "We have no idea what to do in order to repair our credit. We need a resource to be able to study to help us with this credit repair process. We need at least a starting point."

That's what my ebook is all about. I have compiled many of the facts and lessons that I've learned while disputing credit items on peoples Equifax Canada and TransUnion Canada for people all over Canada. I know this ebook will save you many hours of frustration and anguish. After reading this ebook, you'll have a much clearer idea of what you can dispute and where you will be able to start. And that's much more than I had in January 2000!!!

Sincerely,

Monty Loree - President
Express Credit Repair

Are you having problems obtaining the following?:
Mortgage
Car Loan
Getting a credit card
Any type of loan or credit
Life Insurance
Employment
Rental Housing
WHERE TO START WITH CREDIT REPAIR?
If you're like most Canadians, you're not aware that errors, and/or negative credit items on your Equifax and TransUnion credit reports may be stopping you from getting the credit you deserve

The topic of credit reports, credit bureaus, credit history doesn't usually come up until you apply for credit and are denied. You then start to ask yourself, what happened to my credit.

Has the following ever happened to you?

THE DEPARTMENT STORE SCENE
You're standing on the sales floor of a major Canadian department store applying for credit to buy that new sofa or TV system. The sales clerk comes back and sheepishly says, your credit application or increase for credit has been declined! You're excited about making that new purchase as you've been shopping for this new item for along time.

You then take a moment to try and remember what it was that hurt your credit. You try to think back to a bill payment missed, or something else that you didn't pay. You have no idea what it might be because you've made all of your payments perfectly for the last few years.

Not able to drive your own car?

GETTING DENIED FOR A CAR LOAN
You've been driving to work and everywhere else for years. Recently your car breaks down and you go into the car dealership to purchase the new car that you've been dreaming about for years. You find the exact car you're looking for with all of the features. You've spent many hours debating this purchase.

The car salesman takes your credit application to the credit manager and comes back with a sorry look on his face. "You've been declined credit for your new car", he says in a sympathetic way. And as in the previous example, you're sitting there vigorously trying to remember what it might be that has caused your sudden credit problems.

What about this serious situation?

THE MORTGAGE APPLICATION DENIED
You're at the bank or mortgage brokers in the process of renewing your existing mortgage which you've had for several years. The broker comes back to you and says that he is sorry that he cannot approve your mortgage because of some negative items on your credit report. You get a horrible sinking feeling!

You're horrified that you would be declined a mortgage since you make your mortgage payments faithfully every month, without fail. Yes, you have made a few of your credit card, and some other payments late, but they shouldn't count. Your perfect mortgage payment should be all the lenders require? Or should it?

Are you going to lose you house that you've made mortgage payments on for so long?

I HEAR ABOUT THESE PROBLEMS REGULARLY. YOU'RE NOT ALONE!

PART TWO OF - THE BAD CREDIT STORY
So... you've been declined credit for that important item. Now you're at back at home wondering just exactly what happened to your credit. How is it possible that your credit got to a point where you would be denied credit?

The next questions you have are:

Where do I start?
Can I dispute credit items myself?
Who are Equifax Canada and Trans Union Canada?
Who denied me exactly?
Where did the creditor get my information from?
What are credit bureaus and how do they get my credit information?
How long do negative credit items stay on my credit report?
What are my rights in this situation?
Can I actually fix my credit so that I'll be approved for credit in the future?
Can I start to increase my credit score today?
THE DO-IT-YOURSELF CREDIT REPAIR EBOOK FOR CANADIANS HAS THE ANSWERS
This 42 page ebook, written by Monty Loree - Founder of Express Credit Repair (2004), is full of NEW information that most Canadians aren't aware of. This practical ebook answers all of the above questions.

The first thing I realized when helping Canadians repair their credit is that there are NO materials AT ALL in Canada for Canadians, which deal with the subject of credit bureaus, credit reports, credit scores and how they affect our lives. People would get in touch with me and usually have no idea who or what was causing them credit problems. These clients had no idea where to start with. I knew that it was imperative that I publish this ebook.

HOW WILL THIS EBOOK HELP YOU?
In this ebook I explain the following:
Who the credit bureaus Equifax and TransUnion are
The types of things the credit bureaus report about.
How to understand what is reported on your credit report
What you can and cannot dispute, based on Canadian Law
How they get your personal credit information
How to start a dispute

ALSO INCLUDED:
Names and addresses of the Canadian credit bureaus
The regulatory bodies who will help you in the dispute process
How to figure out who is reporting on your credit report
How to contact every company / government agency who are reporting on your credit report
Sample letters of dispute
NEW: What are secured credit cards and how they can help you start rebuilding your credit score intantly!

THIS EBOOK WILL SAVE YOU $
HERE'S WHY!!:

This ebook will save you money for the following reasons:
We'll show you how you can dispute your own credit items and save thousands on lawyer fees or even a bankruptcy attorney fees.
As your credit score starts to rise, you'll stop paying the highest interest rates, fees, and service charges on your credit applications.
You'll avoid costly credit mistakes & pitfalls.
You'll save thousands of dollars over the years that you have different types of credit.
Special Price
Save $25.00
NOT $49.95

ONLY
$24.95

That's less than one quarter of the price I charge for a two hour over the phone consultation. It's also a fraction of what you would pay a lawyer for a one hour consultation.

"So, What's The Catch?
Why am I Selling
'The Do-It-Yourself Credit Repair Ebook'
for Less Than $100, or even $50?"

Well, for one simple reason. Since you will be accessing my ebook directly via the Internet, I have no inventory or order fulfillment costs. There's no shipping department, no receptionist, no couriers, etc. I only have to worry about online costs.

Is the information in the Do-It-Yourself Credit Repair Ebook for Canadians current and up-to-date?
YES! The last revision to the Do-It-Yourself Credit Repair Ebook for Canadians was made and uploaded in February 2006.

Is there a guarantee?
Absolutely! Don't decide now if the "Do-It-Yourself Credit Repair Ebook for Canadians" is right for you. Take 60 days to put it to the test! If you aren't completely satisfied with the "Do-It-Yourself Credit Repair Ebook for Canadians" at any time within 60 days, I'll give your money back ... no questions asked!

Download The "Do-It-Yourself Credit Repair Ebook for Canadians"
Immediately And Start Your Online Business Today

If you have bad credit, been denied credit lately, or are planning to apply for credit in the near future, it's imperative that you understand how the credit system works in Canada. You will receive alot of peace of mind by learning how to better work with creditors, collection agencies, credit bureaus, and all of the companies who report information on your credit report and affect your credit score.

P.S. I don't know of any other credit repair ebooks written by a Canadian for Canadians. This is a truely unique product that you won't find an