With Interest Rates Remaining at All-Time Lows, Your Good Credit is the Key to Profiting
The persistent talk of rising interest rates notwithstanding, consumer loan rates remain among the lowest levels in history, and the chronically stagnant economy, which shows little sign of emerging from its malaise, means that those consumers looking to buy a home, refinance one they already own, or grab a great deal on a new car���should enjoy the opportunity to capitalize on still-fantastic rates for the foreseeable future.
With the Fed���s most recent decision to avoid another increase in interest rates, fixed mortgage rates fell in response, putting them at just about their lowest point for the year. Right now, the 30-year fixed mortgage rate is at 3.61%, which means that the monthly payment on a $250,000 loan (excluding insurance costs and real estate taxes) would be around $1,130 per month. That���s a phenomenal monthly payment for a loan of that size (although we would encourage you to make extra principal payments whenever possible), but to secure a deal like that, or to land a great rate on anything else you want to purchase, your credit has to be top-notch.
On that note, I want to mention what I believe is a straightforward, easy-to-use, computer-based program designed to help those who are ���credit challenged��� to remedy their credit-related problems: Credit Repair Magic.
Several excellent resources make up the entire Credit Repair Magic package, but the centerpiece of the program is the ���Bad Credit Eliminator��� feature. The Bad Credit Eliminator is the highly-actionable program that walks you, step-by-step, through the entire process of cleaning up your credit. However, addressing negative items on your report is just one part of your overall credit picture. Other resources in Credit Repair Magic discuss a wide variety of other credit-relevant issues, including the importance of proper debt utilization (the amount of available credit that you���re actually using), the kinds of loans that actually reflect more favorably on your credit, and even why it is may be best, at times, to leave some negative items on your credit report.
So��� what do you receive in your Credit Repair Magic package? A bunch. What follows is just a brief overview of all that is contained in Credit Repair Magic, because to detail and explain all of the features would take up pages and pages:
The Credit Repair Magic ���Bad Credit Eliminator.��� A trademarked process for restoring your credit quickly and easily.
The Credit Repair Magic ���Seven Shortcuts to Success��� Guidebook. This material is particularly valuable when you are looking to qualify in a hurry for a home or auto loan. It presents targeted strategies to help you to improve your score even faster.
The Credit Repair Magic ���Solving the Credit Puzzle��� Reference Guide. A terrific resource���131 pages packed with a mountain of information on the subject of credit repair. This resource, by itself, is worth much of the cost of the entire Credit Repair Magic program.
The Credit Repair ���Solving the Credit Puzzle��� Reference Guide - Express Version. A condensed, easily-digested, 36-page version of the full reference guide, when you need to go back and hit the ���high points��� of the full reference guide but don���t have time at the moment to dig through the more substantial version.
Lifetime access to any and all upgrades/additions made to the comprehensive Credit Repair Magic program.
That���s not all, not by a longshot ��� there are bonuses���lots of bonuses ��� here���s just a sample of those:
The Credit Expert Audio Program. A 60-minute audio, 24-part audio presentation about the credit repair industry that is just excellent ��� again, just this one feature could justify the lion���s share of the cost of Credit Repair Magic.
How to Settle Your Past Due Debts for Pennies on the Dollar. Insider secrets from professional credit managers on how to settle debts for as little as 20 cents on the dollar.
How to Reduce Your Mortgage Payments and Postpone Payments���Without Hurting Your Credit. Just like the title says���
Credit Repair Magic contains additional bonus materials, as well, but let���s talk about some other great features. For one thing, there is the excellent support available from the program architect. For starters, you receive unlimited email support during the first 60 days of your paid access. This is particularly important, because it is typically during this period when you will have the greatest number of questions about what it is you���re doing as you work your way to better credit. What���s more, even after the first 60 days, the folks at Credit Repair Magic will continue to entertain your questions on a discretionary basis, for an unlimited period of time, as circumstances arise in your credit repair journey that you feel are in need of some extra attention.
In addition to all of this, you enjoy the rock-solid protection that comes with the product���s accompanying 60-day, money-back guarantee. Unbelievably, this means you can get right to work using the full resources of Credit Repair Magic, including the unlimited email support, and if at any time during the first two months you decide this is not for you, you can still get all of your money back.
Rehabilitating one���s credit to the healthiest level possible may be the single most important step any of us takes in the realm of consumer finance, and one that is imperative to you realizing the best available loan rates, like the phenomenal 3.61% 30-year fixed rate floating around out there right now. To learn more about the Credit Repair Magic product, or to simply purchase the program directly, Click Here.
By Robert G. Yetman, Jr. Editor At Large
