126 lines
5.1 KiB
Plaintext
126 lines
5.1 KiB
Plaintext
(NEWCREDIT.TXT)
|
||
|
||
|
||
NO CREDIT? HERE'S HOW TO GET STARTED ON YOUR OWN!
|
||
|
||
The following is an honest and easy to follow method that can be
|
||
used by any person who has NO credit and wants to "get
|
||
established." The only cost to you will be the interest you are
|
||
charged on your borrowing.
|
||
|
||
One of the worst problems in life is having no credit. Everyone
|
||
wants you to produce your credit card etc. If you will follow the
|
||
method below, you WILL appear on the credit bureaus as a person
|
||
with credit then stand back and wait for the credit offers to come
|
||
to YOU!
|
||
|
||
|
||
__________________________________________________________________
|
||
|
||
You may reproduce this text and upload to other BBS. We normally
|
||
sell this information for $10 but would appreciate a donation in
|
||
ANY amount as we really enjoy communicating with people through
|
||
Bulletin Boards around the country as a hobby.
|
||
|
||
Dave Johnson
|
||
PO Box 6155
|
||
Thousand Oaks, Calif 91359
|
||
|
||
Because we appreciate your help, we will acknowledge any donation
|
||
and/or comment received.
|
||
__________________________________________________________________
|
||
|
||
The best credit reference is a record of borrowing money from a
|
||
BANK. Do not waste your time on small jewelry and department
|
||
stores as they are not looked on as good references in the real
|
||
credit world. Everyone's goal should be to obtain a Mastercard or
|
||
Visa and this is the way to do it:
|
||
|
||
1. Put aside $500 of your hard earned money to get this program
|
||
underway and watch it grow to real borrowing power! If you don't
|
||
have $500 right now, use any other amount and adjust the figures
|
||
below accordingly.
|
||
|
||
2. Select a bank (Bank A) near where you live (banks like you
|
||
to have a reason for doing business with them) and open both a
|
||
checking account and a savings account. You can open the checking
|
||
with $100 in most banks, and put $400 in your savings.
|
||
|
||
3. Wait one week then go back to bank A and ask for a personal
|
||
loan for $300 payable over one year using your savings account as
|
||
collateral. They will give it to you right away as the loan is
|
||
totally secured by savings. This will create a file on your
|
||
credit bureau because the bank will list the loan there. 4. Take the $300 loan, go to a bank wher you work (Bank B) and
|
||
open just a savings account.
|
||
|
||
5. Wait one week and go back to bank B and ask for a Visa or
|
||
Mastercard secured by your $300 account. This will be done, and
|
||
will appear on the bureau!
|
||
|
||
6. Use your checking account to make your first loan payment
|
||
the day you receive your first payment notice to Bank A (about
|
||
$30). Try to make this payment in person and take the opportunity
|
||
to let the person who made you the loan see you...say hello!
|
||
|
||
7. Use your Visa Card right away to buy a hundred dollars worth
|
||
of necessities that you would NORMALLY buy with cash.
|
||
|
||
8. Use your checking account to make your first Visa card
|
||
payment the day you get your bill. Pay twice what the bank asks
|
||
for and again, make your payment in person!
|
||
|
||
9. Wait two weeks and make a double payment (early) on your
|
||
loan and visa cards, again say hello to the bank officer!
|
||
|
||
10. Be sure to use the checking account by adding your paycheck
|
||
or other funds to "build it up" a little.
|
||
|
||
11. After you have made payments on both loans, apply for a
|
||
Gasoline credit card, using those other items as references.
|
||
|
||
12. Be sure you take care of all payments due on your accounts
|
||
ON TIME and become a familiar face in the banks.
|
||
|
||
13. DON'T PAY YOUR LOANS OFF! Let the accounts run, even if
|
||
they are very low, for a year. Creditors want to see your long
|
||
term credit history. This will be especially important in the
|
||
future.
|
||
|
||
Before you know it, you will have the credit you need to buy cars,
|
||
furniture, get loans, and see an increase in your credit card
|
||
limits! Just please, do not abuse this new found freedom. Credit
|
||
is terrific if it is used properly!
|
||
|
||
We would be very pleased to hear from you ..... successes or
|
||
otherwise. It is feedback from our friends that has developed this
|
||
concept.
|
||
|
||
|
||
|
||
Thank you, and enjoy your new found Freedom!
|
||
|
||
|
||
|
||
|
||
|
||
X-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-X
|
||
|
||
Another file downloaded from: NIRVANAnet(tm)
|
||
|
||
& the Temple of the Screaming Electron Jeff Hunter 510-935-5845
|
||
Rat Head Ratsnatcher 510-524-3649
|
||
Burn This Flag Zardoz 408-363-9766
|
||
realitycheck Poindexter Fortran 415-567-7043
|
||
Lies Unlimited Mick Freen 415-583-4102
|
||
|
||
Specializing in conversations, obscure information, high explosives,
|
||
arcane knowledge, political extremism, diversive sexuality,
|
||
insane speculation, and wild rumours. ALL-TEXT BBS SYSTEMS.
|
||
|
||
Full access for first-time callers. We don't want to know who you are,
|
||
where you live, or what your phone number is. We are not Big Brother.
|
||
|
||
"Raw Data for Raw Nerves"
|
||
|
||
X-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-X
|