Consumer Education Group

1042 Willow Creek Rd, Unit 515, Prescott, AZ86301

"A Consumer Research and Education Company"

Got Bad Credit?

With This Secret You'll


Bad Credit!

From:Terry Price

Over 53Insider Credit Secrets


Re: Consumer Update

"The Credit Secrets Bible"

Dear Friend,

If you want a new car to drive to work, credit cards to take shopping - even a nice home to live in - As unbelievable as it sounds ...

This is the one, dead-certain way to get everything, everyone else has, no matter what your credit situation looks like now.

Yes, you too can enjoy a better life, starting today and... learn how to secretly erase bad credit and pay off your bills for as little as .27 cents on the dollar- andbuild a "Triple-A"credit rating inNOTIMEFLAT and borrow up to $10,000 in 48 hours and pay ZEROinterest - 100% GUARANTEED!

Sound "too good to be true?". You bet it does but... it's NOT! Here's why:

My name is Terry Price and I’ve spent the last 9 years working as a widely known, $150.00 per hour Credit Consultant. But don't worry ...

This isn't a letter trying to sell you on becoming my client. No.

The fact is, I'm so over-booked, my office looks like a zoo and I can't take any more clients even if I wanted to.

And that's very, very good news for you. Here's why ...

Back when I learned the shocking truth about how the credit industry actually works to 'trap' ordinary, decent individuals into a living hell ...

Sicking abusive and threatening bill collectors on people ...

Labeling people a 'bad risk', and charging them inflated interest rates on credit cards, loans - you name it ...

I decided then and there to tell everything I know in such specific detail, so you can practically write your own credit history. Yes ...

This product is so simple-to-use, so complete in every step-by-step detail, not only can you stop the harassment, but now you can get the nicer things your family needs.

Stop The Blood-Thirsty Bill Collectors Cold And... Build A Perfect Credit Rating - FAST!

Here's how you can finally get rid of all your bills, and stop heartless bill collectors cold, in their blood-thirsty tracks.

You'll quickly build a perfect credit rating, even if you've got what you think is a credit disaster on your hands.

...And turn credit disaster into cash, credit cards, cars, boats and yes ...

I'll even show you the exact steps so anyone can get a nice home in a safe neighborhood that you will be proud of ... A home like many of my clients now own.

You see, the entire credit industry actually loves 'bad' credit, because bad credit is a very big business.

After I discovered the truth about high-interest loans, brutal repay plans and the huge money that decent individuals are charged only AFTER they label you a 'poor credit risk' ...

Reality hit home. That's right where they want you - labeled a 'POOR CREDIT RISK', just so they can pick your bones ... and your pocket. That's when I decided to ...

Go public and give you...

instant, and very simple answers, anyone and everyone can use to turn the tables and get out of credit hell... and back into 'CONSUMER HEAVEN' No Matter What Kind Of good or bad Credit You have now

With a perfect credit report a new car, nice home, multiple credit cards (and almost anything credit can buy) are waiting for you RIGHT NOW.

Once I reveal the 53 insider secrets of the credit system, you can amass thousands and thousands of dollars in credit and credit cards very quickly.

And it doesn’t matter if you have no credit or what you think is terrible credit ... But don't take my word for it - Let me prove it to you, now ...

Your Problem ...

If you’re like most Consumers, your problem right now is that you DON’T know 'how' to work the system. For example...

Are you aware that the credit report
banks and businesses see shows about twice 'your' financial information
compared to the credit report
you receive from the credit bureaus?

That’s right. In most cases, the credit bureaus send a much more detailed report to businesses. They're deceiving you.

Have you ever wondered why the credit system works in such secrecy?

Banks and businesses (except mortgage lenders) will NEVER give you a copy of 'your own' credit report. Nope ...

They’ll look you in the face and tell you to request 'your own copy' from the credit bureau.

(If you don’t believe me, next time you get turned down for credit, ask them for a copy of your credit report and see what they say).

The credit system is full of credit traps, But now they can't trick you - ever again!

Now, you can take each and every one of these secrets, turn it around and use it to your own advantage. For example...

Regardless of your current credit situation,
I’ll show you how it’s possible to delete negative items off your credit report, fill your wallet full of credit cards and build a credit score so high even your banker will be impressed.

Don’t be surprised when your friends and family beg to pay you to help them build their credit once they see how you’re able to "play" the system.

Believe it or not, fixing and building your credit is just like anything else in life;

It’s Easy (Once you know how...)

I love revealing the secrets of the credit system so people like you can gain an advantage in the financial world. It’s very rewarding.

More importantly, I cherish the phone calls I receive from clients who have turned their lives around by getting approved for the New Cars, Homes, Credit Cards and Business Loans they never thought they could get.

Let’s face it. We’ve all had some credit problems in the past, but don’t let it get you down.

If you can read this letter then you have what it takes to use every secret I share with you in the most effective manual anywhere, at any price - "The Credit Secrets Bible"


I guarantee in one evening you’ll know more insider credit secrets than most Millionaires alive today.

I guarantee that "The Credit Secrets Bible" will absolutely knock your socks off!

I guarantee that by using "The Credit Secrets Bible" you'll have complete control over your credit records.

Here's just a little piece of what you're going to find in "The Credit Secrets Bible":

The "Special Phone Number" to call to get a $5,000 Line of Credit in 3 weeks with NO Security Deposit, NO Annual Fee and NO Credit Check

(this $5,000 unsecured line of credit is the ultimate weapon for building your credit fast and practically nobody knows about it)

Five secrets every Woman must know before signing any credit application

(if you’re married you’ll want to read this first)

The "3-Step System" some Attorneys and Credit Repair Clinics charge $795 for to repair your credit

(and how you can easily do it yourself for FREE once you know how)

Three simple secrets to start getting dozens of "Pre-Approved" credit cards in your mail box

(powerful facts about how cell phones, mail boxes and moving affect your credit report)

Why paying off your credit cards in full each month actually gives you LESS credit

(learn exactly how much to charge and how much to pay each month to build your credit as fast as possible. Most bankers don’t even know about this financial strategy)

The TRUTH about those "Free Government Money" ads you see and the two things you must know BEFORE claiming your share

(use these secrets to save up to $5496.00 on your next car and up to $98,301.60 on your next home)

The secret to buying your first (or second) home with NO MONEY DOWN

(Don’t pay hundreds of dollars for this info when it’s included FREE in my course)

Copy and mail this one short letter that’s guaranteed to STOP all harassing collection agency calls forever

(special Federal law bill collectors hope you never discover)

Don’t pay $29.95 to get copies of your credit reports

(use this neat little trick to get all 3 of them for FREE)

How to save up to $100,000 or more in mortgage interest without refinancing

(a must have secret for current homeowners and first time home buyers).

For The First Time Discover How Easy it is to
“Work The System” With More Insider Secrets Found NOWHERE ELSE Except
‘The Credit Secrets Bible!’

DOUBLE any credit card limit with 2 phone calls

(These could be the best two calls you will make this year)

The incredible "Piggyback Method" to get up to 10 years of excellent credit history added to your credit report in less than 90 days

(Another one that can be worth the entire cost of the course)

What banks and credit card companies don’t want you to know about bankruptcy

(Good news if you’re thinking about filing Chapter 7 and great news if you already have)

How to borrow up to $10,000 or more for one year and pay ZERO interest

(So simple you’ll wonder why you never thought of it)

The stone cold facts you need to know about Chapter 13 Bankruptcy

(A must read for anyone even considering this option)

Credit Repair Attorneys $1,000 secret to removing Bankruptcy, Tax Liens and Judgments from your credit reports

(And how you can do it yourself for less than $20)

The amazing software program that will track your credit, tell you how much to pay monthly on your debt, create and manage your monthly budget

(And is yours free to try for 45 days)

How refinancing your home at a lower interest rate can actually COST YOU thousands of dollars

(You wouldn’t believe how many people only discover this ONLY once it’s TOO LATE)

Two secrets you need to know before calling ANY Consumer Credit Counseling Service or Debt Consolidation Company

(If only everyone understood these simple facts)

How consumers like you have erased 100% ACCURATE bad credit from their credit reports in 30 days

(Top secret info the credit bureaus don’t want you to know)

Two "Unique Letters" you can use to PAY OFF your bills for as little as .27 cents on the dollar

(Don’t even think about calling Consumer Credit Counseling or filing Bankruptcy until you see this)

One easy phone call that will slash your credit card payments in half

(A life saver if you are "up to your neck" right now)

Why being self-employed hurts your credit report and the easy remedy to get around this discrimination

(Plus lower your taxes to boot. You may fire your Accountant for not knowing this clever insider technique)

How to borrow up to $25,000 in 24 hours with NO credit check and NO cosigner

(Take up to 30 years to pay it back. Used for years by entrepreneurs and Millionaires around the world)

How to buy the car of your dreams right now regardless of your current credit situation

(Life is too short to NOT drive your dream car - now you can)

The Secret to get a checking account in "one week" even if you’ve been reported to Chex Systems

(No more hassling with money orders)

"The Credit Secrets Bible"

contains more step-by-step, easy-to-learn, easy-to-use insider consumer credit secrets than anything else, anywhere, at any price.

In fact, the information in "The Credit Secrets Bible" is so powerful, we have to disclose to you upfront that it is sold for informational purposes only.

If you don’t already know, I’ll be the first to tell you that the banks, finance companies, bill collectors and credit card companies are the BIGGEST crooks in the world.

And if you don’t know the secrets they use to pull you into a credit trap, you're a sitting duck ...

If you don't know what's in "The Credit Secrets Bible"

you will pay tens of thousands of hard-earned dollars in 'extra' interest and fees. You won't have any choice.

Your money will be wasted (down the drain) for no reason other than you don’t own "The Credit Secrets Bible" home study course.

Banks and other institutions who take your money, ruin your credit or deny you the money you need, are very powerful organizations...

They make a business out of hurting people like you, to make more money for themselves.

They won’t be able to hurt you anymore. With "The Credit Secrets Bible" you'll know exactly how to stop them dead in their tracks!

Attorneys and Credit Repair Clinics
LOVE Misinformation

Banks and credit bureaus want you to believe that once your credit report is scarred with bad credit marks there is NOTHING you can do about it.

They will tell you THE ONLY THING that can repair a bad credit report is time. But ...

Nothing could be further from the truth!

Attorneys and Credit Repair Clinics love this kind of misinformation. It’s this misinformation that keeps consumers signing up for their credit repair services year after year (At $795 a pop).

I don’t want to bash Attorneys or Credit Repair Clinics because some of them actually do a great job at fixing up credit reports. However, I do want you to know THE TRUTH about how they do it.

3 Dirty Secrets That Attorneys
and Credit Repair Clinics
DON’T Want You To Know ...

Attorneys and Credit Repair Clinics have 3 little secrets. It’s these 3 secrets that keep them in business. First, when it comes to ANY negative marks on your credit, the big secret they don’t want you to know is this...

on your credit report
is NOT what is accurate, but what the Credit Bureaus
(you may want to read that again)

Second, they know that the "burden of proof" falls on Creditors and the Credit Bureaus and NOT you.

Third (this is the real key) ...

They understand how to write correspondence (a fancy term for LETTERS) that makes this "burden of proof" very difficult for your creditors and the credit bureaus to prove.

anything your creditors and the Credit Bureaus CAN’T PROVE must be permanently REMOVED from your credit report -it’s the law!

The Fair Credit Reporting Act (F.C.R.A.) is a consumer protection law that makes this all possible.

Fortunately, it was written in your favor and NOT that of your creditors or the Credit Bureaus.

The problem is that almost nobody ever learns how easy it is to take advantage of it.

So, why am I sharing this with you? It’s quite simple. With "The Credit Secrets Bible"

you can improve your credit better and faster without having to pay $795 to an Attorney or Credit Repair Clinic.

Save $795 Instantly
“The Credit Secrets Bible”

Attorneys and Credit Repair Clinics would like you to believe the only way to fix your credit is through them.

The truth is you can improve your credit better and faster yourself... Better And Faster Than Attorneys or Credit Repair Clinics!

But... If you feel that an Attorney or Credit Repair Clinic may be the ticket for you (feel free to call our offices for a referral).

However, if you’re like most folks, you will do better, a lot better, on your own. Here’s why...

The REAL power of their service
not the fact
they are doing “the work” for you!

I agree with this quote from the Federal Trade Commission:

"Everything a Credit Repair Clinic can do for you legally, you can do for yourself at little or no cost".

All the power is in their letters. The letters simply leverage THE LAW in your favor.

If you have THEIR LETTERS it does NOT matter whether a high powered Attorney mails them or if a high school drop out mails them. The law is the law and they know it.

To prove this point, years ago I had a client who was using a Credit Repair Clinic.

She paid $795.00 and she was curious about what these letters were all about.

She didn’t think it was "out of line" to request the letters they were using since she was paying good money for the service.

Can you guess what the Credit Repair Clinic told her? They sent her a letter stating...

"We are unable to share our letters
with our clients as they contain
proprietary trade secrets to our service"

The Credit Repair Clinic knows that if you have the letters (and the inside knowledge) you no longer need them because

the real power isn’t their service - no - it's their letters!

$500 Worth of Attorney Created Credit Repair Letters - FREE!

With "The Credit Secrets Bible" you receive every letter you need to fix your credit - fast.

They are fully GUARANTEED to get you results!

We had to pay our Legal Counsel
over $500.00
to draft these letters
and now...
They’re yours - FREE!

you Could Easily be just a few stamps and envelopes away from solving ALL your credit problems ...

These letters are that powerful -- We guarantee it ...

You’ll also receive easy-to-read and easy-to-follow, step-by-step instructions on how to use these fill-in-the-blank letters for your own personal situation.

These letters and proven strategies will have your creditors and the credit bureaus literally "wrapped around your pinky" trying to validate and verify every minute detail on your credit report. And remember...

Anything they can’t verify 100%
will have to be
from your credit report

I guarantee you will be amazed at the results you get from these letters. But don't believe me, here's...

What Satisfied Clients Are Saying About
The "Credit Secrets Bible"

"... 12 Collection Accounts Removed In Less Than 30 Days"

"... I’m just writing to thank you for your materials. I literally feel like a new person. This is after 12 collection accounts (and collectors) removed in less than 30 days. The power of this stuff is life changing.

When I called you for help, even though you couldn’t help me on the spot

you guys gave me the resources to get a hold of other services ..."

- Jalilah Mustafa
Interior Designer
138 V St. NW
Washington, DC 20009
(571) 431-9861

"... $25,000 Trade Line (Added) To My Credit Report ..."

"Using your techniques I removed the following from my clients records:

4 bankruptcies

Numerous repossessions




Tax liens

Late pays

Plus your course helped me add a $25,000 trade line to my credit report with no credit check and no security deposit.

As a result of this account, my personal credit score shot up 80 points in 45 days!

(consumers can find this technique on page 84 of the Credit Secrets Bible)

As a credit specialist myself, I sell your product so my clients can restore their credit themselves - even better than I can in some cases.

Keep up the great work!"

- Crawford Peterson
Predatory Lending Specialist,
Mortgage Broker
14 Metrotech Center Suite 200
Brooklyn NY 11201

"... force(d) the credit bureaus to delete 5 charge-offs and 5 collection accounts in less than 45 days".

"I used your techniques to force the credit bureaus to delete 5 charge-offs and 5 collection accounts in less than 45 days.

In fact, I decided to cut my hours as a county Sheriff and do credit restoration work on the side.

I tried other credit products and they were out-dated. Yours work".

- Randy Galindo
Law Enforcement Officer
(Address Private)

"...I was able to settle a $27,000 account for only $5,000!"

"Due to the loss of work after the 911 attack, I was unable to pay my bills. However, I did have a copy of the Credit Secrets Bible. Using just one of your debt negotiation letters I was able to settle a $27,000 account for only $5,000!

This actually allowed me and my family to keep our home. It was a pleasure to speak with your staff years later to share my story. I highly recommend the Credit Secrets Bible to all my clients now."

- Blake Lohman
"Hard to Finance"Loan Specialist
(801) 786-1991

"...Removed 7 Late Pays in only 2 Weeks with One Simple Letter!"

"After 4 years in the military, my last deployment ended but only for me to find my credit problems had justbegun. My biggest problem was the numerous late-pays that had piled up while I was on leave. By using one simple negotiation method from the Credit Secrets Bible, I was able to get 7 late pays removed with one simple letter in less than 2 weeks! That’s why I tell all my friends about the Credit Secrets Bible so they can enjoy a better life too…"
Anthony Curtis
National Guard Reservist

Here's How You Can Keep
Up To $102,430.11 ...

If you only get one thing out of this letter today, let it be this; if you’re like most people, the two biggest purchases you will EVER make in your life will be your DREAM CAR and your DREAM HOME. Right?

With the "The Credit Secrets Bible" you can save up to $102,430.11 (or more) on just these two purchases alone.

How? By learning the secrets to building a great credit report and qualifying for the lowest interest rate.

Here’s how: let’s say the loan amount on the car you buy is $20,000 and the payments are for 5 years ...

On the graph below you will notice that with great credit versus bad credit you will save $5496.00 on your car alone!

Total Interest You Will Pay on a $20,000 Car Loan Over 5 years

Your Credit Status

Interest Rate

Interest you will Pay!

Bad Credit



Great Credit



You Save! $5496.00

Now let’s talk about your dream home...

Let’s say the loan amount on the home you buy is $200,000 and the payments are for 30 years.

On the next graph you will notice that with great credit versus bad credit you will save $96,934.11!

As you can see, between your dream car and your dream home your bad credit will cost you $102,430.11.

This is $102,430.11 banks will make off you just because you don’t qualify for the lowest interest rates, due to your credit status. Are you starting to see the horror - the reason they want you labeled a bad credit risk?

Please ... don’t let this happen to you ...

These are the "nitty-gritty" numbers most people DON’T take the time to think about - will you?

If you can't be bothered to do the math, it will cost you tens of thousands of dollars you could otherwise enjoy ... or put into a college fund, if you have kids.

Order "The Credit Secrets Bible"

for your review today. If I’m right, you’ll come out at least $102,430.11 ahead! If I’m wrong you still lose NOTHING...

100% Risk-Free “Just Look It Over”
Money-Back Guarantee

Look, the cost of "The Credit Secrets Bible"

is extremely low ... However ...

I don’t want you to take any risk by ordering today. So ...

You have a 100% Risk-Free - "Just Look It Over" - money-back guarantee!

This means I won’t make you send me "evidence" you used it, or take a dumb test to "prove" you even read it, and I won’t make you "keep it for 90 days" if you’re unsatisfied, or...

"jump through flaming hoola hoops" to get a stupid "RMA Number" in order to return it. No ...

I intend to treat youlike I would like to be treated!

Here’s how your guarantee works:

Order your copy of "The Credit Secrets Bible"

home study course and CD "Companion Audio Program" today.

You're going to receive a BIG FAT 96 PAGE manual and 70-MINUTE AUDIO CD that will knock your socks off (Listen to the CD first, ok?).

All this will be RUSHED out to you by United States Postal Service Priority Mail!

Just listen to the Companion Audio Program first. Then look over the manual with every resource you need to take control of your credit.

I guarantee this will change your entire outlook on credit forever...

I guarantee you'll be mad as a hornet, once you find out how you've been screwed out of your credit ...

If you want a new car - YOU’LL GET IT

If you want a credit card - YOU’LL GET IT

If you want your own, nice house - YOU’LL GET IT!

If you don’t agree after just one evening that you know more insider credit secrets than most Millionaires alive today or...

If you

are unsatisfied for ANY reason, simply return it within 3 Months from the date of shipment for a FAST and FULL REFUND. That’s right. I said a FULL REFUND.

I do NOT deduct any shipping, handling or restocking fees.

I assume all the risk guaranteeing you a
100% refund.

It's easy to order "The Credit Secrets Bible"
The fastest way is to order
with your Credit Card through our
"Warm and Fuzzy" Secure Server by


That’s all there is to it. As soon as we receive your order, we will rush you "The Credit Secrets Bible" by First Class Mail.


P.S. I want you to learn how to "fight back" against those who are making your life difficult - and holding you back. With "The Credit Secrets Bible" I guarantee your entire outlook on life will change forever. However, I don’t know how long I will be able to make this information available. For obvious reasons, there are a lot of "fat cats" who do NOT want me making this information available to people like you. Order right now before time runs out!

P.P.S. I am so confident the Credit Secrets Bible will change your life that I will do something no one else on the internet would EVER dare do... I will actually have the Credit Secrets Bible shipped to you "Cash On Delivery" (C.O.D.) by the United States Postal Service. This way you can pay your local U.S. Post Office when you receive it. To order C.O.D. just call the 24hr Recorded Message at: 1-801-323-7800 Ad Code: 988. (Note: the fastest way to order is with your credit card through our secure server).

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To order by mail send a check or money order (payable to: Consumer Education Group) for $67.75 + $5.85 S/H (total $73.60) to the address below:

ConsumerEducation Group
C/O Terry Price
1042 Willow Creek Rd
Unit 515
Prescott, AZ 86301-1673

(928) 772-9018
Call now and order with your Visa or Mastercard*
(*Orders Only!)

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