38-Year-Old-Bankrupt in Canada (With Ruined Credit) Builds 680+ Credit Score With 5 Proven Steps.

From: Joe Malek

Dear Friend,

I want you to meet Fred…

He is an ordinary 38 year old guy. Fred lives in Toronto area with his wife, 3 kids and 2 dogs….

You know... He is your typical hard working family man.

But there is one thing that really sets him apart from the ‘average’ 38-year old… or even the average 50 year old for that matter:

Fred had to declare bankruptcy less than 3 years ago and thanks to the information found at this website...

...he was able to buy his new $700,000 dollar home with little down payment at the best rates on the market.

Fred had no formal training… and no idea this will actually work.

Last time I checked our schools did not give anyone the skills they needed to build a perfect credit rating.

But despite the lack of experience, Fred was able to re-establish his credit rating in less than 12 months from his bankruptcy discharge simply by following these five simple and proven steps.

He thought his credit would be destroyed for at least 7 years and he would not be able to buy a bigger home for his family anytime soon.

You may be thinking “There is no way!”… “Heck I’ve been discharged from my bankruptcy longer than 3 years and my credit is still in bad shape”...

… This can’t be possible!

But let me ask you this:

And if you could successfully re-establish your credit plus get your deposit back and then purchase your new home shortly after with little down at the best rates...

The fact is, I have been successfully teaching regular people from all walks of life how to re-establish their credit for over a decade now and the good news is this…

The formula that Fred used to build 680+ credit score follows the same principles that have been used by thousands of people every year...

... And based on Fred’s success I am sure I will help thousands more to have perfect credit.

Now the good news for you:

Now if you are thinking “How good could this formula actually be if you are going to get me started for $75.00?”

… There’s a specific plan for you to follow!

Over the last decade thousands of people have used my system to build perfect credit reports with credit scores over 680.

(You can click here now to read more about my track record and credentials.)

I discovered that people who take action and follow my simple, step-by-step directions, and actually get started using this system, go on to tell their friends and other family members.

I am talking about people like Jana…

"I immigrated to Canada back in 2002 and I found this website shortly after. I simply followed the simple steps here and had my first credit card in about 3 weeks. I used my new credit card for two months before I completed the other steps. I could not believe my eyes when I saw my credit report. My credit score was 663 after only 6 months... and that’s why I highly recommend you follow these steps to success.”

Jana M. Ontario, Canada

These steps include:

Step #1

The secret to success after bankruptcy is not applying for credit card or loan at your bank or finance company.

If you want to succeed… start only with secured credit cards that I recommend below.

… It will SAVE you years of valuable time and potentially save thousands of dollars in future mortgage or car payments.

A secured credit card is a product where the security deposit you provide is equal to the credit limit of your credit card.

Your deposit is held in an interest bearing account with interest paid to you.

You get to set your own credit limit because your credit limit is equal to your security deposit.

The maximum credit limit or deposit can be as much as $10,000 but that’s not what I want you to deposit.

With secured credit card you will…

	Rent a car
	Make purchases over the phone or internet
	Reserve a hotel room or book your next vacation

But most importantly, with a secured credit card you’ll start establishing your credit payment history and build a credit score.

Before you proceed to step two, you must pay off outstanding collections or other derogatory items on your credit report.

You can request your FREE CREDIT REPORT simply by contacting Equifax Canada at 1-800-465-7166 or Trans Union at 1-800-508-2597.

Once you’ve got your free credit report, and you paid off all derogatory items then you can move onto step two.

If you are certain you do not have derogatory items on your credit report then you can proceed with step two right now or click here to if you need to come back here later.

Step #2

Capital One Guaranteed Secured MasterCard is a great way to build your credit history and start enjoying the benefits of a credit card.

Rent a car, reserve a hotel room, and buy things online. It's all possible when you have a Capital One Secured card.

Whether you're applying for your first credit card, are new to Canada or have filed for bankruptcy.

The Capital One Secured MasterCard gives you guaranteed approval and the opportunity to establish or re-establish your credit history – just make sure to pay your bills on time.

To qualify for the guaranteed status, you must:

	Be at least the age of majority in your province of residence;
	Reside in AB, BC, MB, NB, NL, NS, ON, PE or SK;
	Not have an existing Capital One account, not have applied for a Capital One account within the last 65 business days or have a Capital One account that is not in good standing within the last 12 months before applying;

You’ll provide security funds, if required, by cheque or money order but please do not send post-dated cheques or cash.

Click here to complete step #2.

Step #3

So in Step #2 you got started with $75.00 deposit and you now have your first secured credit card from Capital One.

Now make sure you use it…

… Use it only for purchases you would have to make anyway, like gas purchases for your vehicle and then make sure you pay balance on time and in full.

Now I want you to take $500.00 and apply for your second secured credit card which is available everywhere in Canada including Quebec.

There is a secret power of two credit cards being reported to your credit report.

(If you don’t complete this step then you will not see your credit score going up as fast).

The Peoples Trust Secured MasterCard® allows virtually all Canadian residents to have a credit card.

Specifically, it is geared to those people who do not qualify for traditional unsecured credit cards due to financial difficulties in the past or lack of a credit history.

This may include:

• Students
  
  
• New Immigrants
  
  
• Discharged Bankrupts
  
  
• People who have had credit problems in the past
  
  

The Peoples Trust Secured Credit Card has several benefits over a debit card.

Not only can you secure a car rental or make hotel reservations over the phone or via the internet but at the same time with proper use and repayment you can establish or repair your credit profile.

Your credit limit is set by the amount of your deposit (minimum $500), which acts as a security deposit and earns interest.

You are then able to use your card up to this limit, and have the same benefits as other credit card users.

Even if you have no credit, or your credit history is less than perfect, you have an excellent chance of being approved for a Peoples Trust Secured MasterCard.

General guidelines are as follows:

• Must have a verifiable permanent Canadian home address
  
  
• Must be of legal age in the province in which you reside
  
  
• Must have a valid Social Insurance Number
  
  
• Must be discharged from bankruptcy
  
  
• Must have a verifiable source of income
  
  

Another reason why you need another secured credit cards is because some banks require you to have up to 3 active creditor accounts open for a minimum of one year before granting a loan approval.

Click here to complete step #3

Step #4

If you’d like to obtain a mortgage at discounted rates (which are about 1.5% below bank posted rates) then you must have 3 established and active accounts for at least 12 months with combined credit limit of $5,000.

If you are after bankruptcy or consumer proposal discharge for at least 2 years and have established your credit report with at least 3 credit cards in the last 12 months then...

... YOU CAN purchase or refinance your home at discounted rates with as little as 5% down payment / equity!

That’s why I strongly recommend you complete this step #4 as soon as possible.

You now have 2 credit cards with credit limit of $575.00 already working for you and now I need you to take it a step further.

Take at least $4,425.00 and apply for your 3rd secured credit card from Home Trust.

Click here to complete step #4.

If you don’t have the money for your deposits then you may be able to get a small unsecured loan from CitiFinancial.

CitiFinancial Personal Loans – Apply online today, and you could pick-up your check tomorrow!

What is a Personal Loan?

A personal loan from CitiFinancial Canada is a credit product with fixed monthly payments, no pre-payment penalties, which is generally not secured by personal property or real estate.

A personal loan CitiFinancial Canada is an ideal option if you need money to

• Make Home Improvements
• Need extra cash for Unexpected Expenses
• Cover Education Expenses
  

CitiFinancial offers personal loans click here up to $15,000, depending on various factors including your credit history.

CitiFinancial will help you get a personal loan quickly with convenient and affordable payments and terms tailored to fit your needs and your budget.

• No Obligation - Apply today click here for your free, no obligation customized loan proposal. Once you apply, you are under no obligation to accept a loan offer that is presented to you.
  
  
• 14-Day Guarantee – If you change your mind after you take out the loan, you can return the amount you borrowed within 14 days with no charges, no hassles.
  
  
• No Pre-Payment Penalties – Pay off your loan any time without a pre-payment penalty.
  
  
• Fixed Interest Rates – CitiFinancial personal loan interest rates are fixed and will not change during your loan repayment no matter what happens to interest rates in general.
  

What to expect:

1. Complete their Easy and SECURE one-page online Personal Loan Application click here in less than 10-Minutes.
   
   
2. Receive a conditional approval or confirmation e-mail in 5-minutes.
   
   
3. Your application will be transferred to a Branch Account Executive at your local CitiFinancial branch office within an hour.
   
   

Step #5

Once you have all three secured credit cards then you’ll need to use them.

Pay outstanding balances on time in full but also monitor your credit report every three months.

You’ll need to make sure that information on your credit report is accurate and all incorrect information has been either removed or updated.

By checking your own credit report you are making a consumer inquiry to your credit report and therefore you are not penalized.

You will not be losing any credit score points by performing your own inquiry.

so you don’t forget to come back to this page every three months for updates and then click here to complete step #5 to monitor your credit report.

So now is time to decide…

Will you be the next person who gets the Guaranteed Capital One Master Card with Low Deposit and start building your better credit rating today…

…Or, will you wait and miss out? And be kicking yourself in 6 months from now, as you struggle to make it your own way?

Remember, there’s absolutely NO RISK in getting started right now.

You most likely already have less than perfect credit rating otherwise you would not get this far down this page.

You cannot make it any worse by applying for GUARANTEED Secured credit card which was designed to help you!

If you don’t have $75.00 dollars today don’t worry… simply click here to complete your online request on the next page and you’ll mail them your deposit next week… It’s that simple.

I hope you’ll email me with YOUR life-changing experience and add your testimonial to my website a year from now.

All the best,

Joe Malek

P.S. Feel free to visit my mortgage website where you can apply for your next home purchase, mortgage refinancing, second mortgage or home equity line of credit for debt consolidation whenever you are ready.