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Date:      Sat, 20 Jun 1998 12:52:26 -0700 (PDT)
From:      bm43252@aol.com
To:        questions@FreeBSD.ORG
Subject:   Fix Your Credit - Self Help Kit $30 - Lawyers Charge $500
Message-ID:  <199806201952.MAA29647@hub.freebsd.org>

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R&C Marketing
P.O. Box 296 Dept CR7
Apopka, FL  32704-0296
1-888-634-5494
bm43252@aol.com

I saw your email from a web page and thought this might interest you.
If this unsolicited email intrudes on you, please accept my appologies,
this is a one time mailing.

SELF HELP
CREDIT REPAIR KIT

As we all know, credit is an important resource to have. Many of us, myself 
included, have made mistakes in the past, which reflect our ability to 
obtain credit now. 

I grew tired of applying for credit and being denied, so I finally did some 
home investigation.  I found that I could opt to spend $500.00 to have a 
company try to repair my credit with no guarantee it would be fixed to my 
satisfaction, or I could do exactly what this company was going to do, for 
the cost of postage, paper, and ink.

My spouse died, leaving me with a car I was half-responsible for, a home 
mortgage I never signed papers on, and several credit cards for which I 
never used, or had my name accounted to.  In the end, I had a foreclosure, 
many hospital bills, a default student loan, which I tried to sue a college 
over, and a car repossession.  In all there were a total of 24 items listed 
on my credit report, all negative, except for two paid off accounts.  It  
took me only 45 days to get 12 of my disputed reports removed.  The 
foreclosure, car repossession, a few of the credit cards, and default 
student loan are listed now, "ACCOUNT DELETED"!  Since creditors are not 
allowed, by law, to look at medical bills in determining your ability to 
re-pay loans, my credit is now to my satisfaction.

Let me tell you, for free, what I have found.

1) If you are denied credit, for any reason, due to a report from a credit 
agency, you have the right to know why, and for FREE!
2) If you are not denied credit, but you want a credit report, you have the 
right to this information at a cost of roughly $8.00 depending on the agency 
you are requesting from.
3) Once you receive your credit report, you have the right to dispute 
anything you think has been unjustly, mistakenly or incorrectly reported.
4) The credit-reporting agency will re-investigate any report you dispute.
5) The credit-reporting agency must do this with-in 30 days.
6) If your dispute does not cause a removal, you may add an unaltered 
"consumer comment" to the report, so that future inquires will reflect your 
information.
7) You have the right to merge creditor inquiries with accounts.
8) You have the right to have payment history on non-reporting creditors, 
added to your credit report.
9) If with-in thirty days, you have not received any information from the 
credit reporting agency, you have the right to demand action be taken to 
resolve your disputes. Should you still receive no correspondence, you can 
contact the federal trade commission and lodge a complaint against the 
credit-reporting agency.  Note: 99.999% of the time, you will not have to go 
this far.

Now that you know what your rights are, I would like to make an offer. 


For $32.45 (50%- off the regular price), I will send you an information 
packet containing; all the necessary forms and letters you will need.  I 
will also include a step-by-step instruction sheet to ensure proper use of 
the forms, and heck, I'll even throw in 3 envelopes to get you started.  

This process of credit repair takes about 30-45 days which is almost half 
the time it takes lawyers and attorneys, and it costs 10-15 times less 
money.  Most people don't know they can do this themselves.  Lawyers know 
this and that's why they charge upwards of $500.  It's as simple as sending 
a couple correspondence letters.  This is a one-time cost.
 
Please write for more information and sales literate,(let us know you would 
like more info on the Credit Repair Kit) or if you'd like to purchase the 
kit send a check or money order for ($32.45) made out to:

R & C Marketing
P.O. Box 296 Dept CR7
Apopka, FL  32704-0296

or call Toll-Free 1-888-634-5494 for more information...

Thank You,
R&C Marketing

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