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SECRETS
Equifax
began just before the dawn of the 20th century as the old Atlanta credit bureau.
Called "Retail Credit Company" in those days, it eventually bought almost all
the other bureaus throughout the American south and at one point even employed
Welcome Wagon ladies to spy for them. Nicely coifed women bearing coupons and
other gifts would greet the new neighbors and then make careful notes for
headquarters regarding demeanor, employment, race, religion, national origin,
whether the smell of alcohol was detected, and other subjective items deemed in
those days to correlate with credit risk. By the time the first version of the
Fair Credit Reporting Act was passed in 1971, "Retail Credit" deeply desired to
shed its besmirched name and reputation, so its bland new corporate moniker
Equifax was installed and history was duly forgotten.
The TransUnion we know today began when a railcar leasing company by that
name decided in 1969 to buy Chicago's ancient bureau, the Credit Bureau of Cook
County, and then subsequently gobbled every other local bureau they could
through the 1970s and 1980s. Interestingly, TransUnion today is privately owned
by the famous Pritzker family (of Hyatt Hotels fame) and their tony friends
through a mysterious-sounding multi-billion dollar entity called the Marmon
Group. Lucky bunch. Apparently, buying and selling personal information about
others is a highly profitable enterprise. Perhaps the Pritzker grandchildren
will never need to hire Lexington Law Firm to straighten out their credit
reports.
Hey, here's a novel idea. What if the Home Shopping Network suddenly owned a
major credit bureau? You'd certainly trust those folks with your financial
future, surely. Well, enter England's home shopping colossus, the Great
Universal Stores group of companies. They now own Experian outright, one
hundred percent, down to the last toilet. And, with that, the "vital American
institution" notion is forever flushed away. Experian was originally formed when
two other monolithic consumer reporting entities, TRW and Chilton, combined,
then bought every other similar business they could in California, Texas, and
other western states, and finally sold itself to those happy home shopping Brits
whose other major business is Kays.com (slogan: "making life easier").
So why do Americans blindly trust three corporate entities with questionable
histories and cutthroat profit-seeking motivations to play such a critical role
in almost every aspect of their financial lives? And why do consumers sometimes
even feel guilty going up against these Orwellian monsters? As a psychologist,
it would be so easy now to turn the discussion to topics like groupthink, status
quo, and social complacency, but I'll resist those academic explanations in
favor of a tighter one: Unfortunately, that's just the way it is.
Of course, by reading this, you've already begun to fight back.
WE
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Many companies
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So how do you know if you need our help? You need our help if you have had trouble with any of the following:
WHAT
IF YOU COULD JUST START ALL OVER?
Knowing if you had a second chance, you
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REPAIR YOUR CREDIT NOW!
Benefits of Our System
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A DARING AND UNIQUE OFFER!
Our intention is to provide you with the knowledge you need to permanently improve your credit file. The regular price is $189.00. It's worth many times this price if it does what we say. the problem is that many sincere people have had a hard time believing they can repair their credit permanently. We know we are telling the truth, but you don't know that yet.
We understand some credit
consultants didn't even come close to what they promised. That's why we
are going to make you a special offer. Order Credit Repair Secrets
first, before paying for it. We are so confident in our Credit Repair
knowledge that we know you will send the money after you have seen it.
However, we must ask for a small deposit. there are too many insincere
people who would order our Credit Repair Secrets because it's free and
then probably never even apply the secrets to repair their bad credit.
We want to do everything we can to help sincere people improve their bad
credit, but we don't want to lose money because of the others.
To get you started immediately, we must require a low one-time deposit of only $39.00. After you receive our Credit Repair Secrets, and see that you really can repair your bad credit file, only then do you have to pay the remaining balance. You be the judge. Your deposit covers our expense in sharing our credit repair secrets, and you will not be required or asked to pay for any additional information or instructions. Inasmuch as we would like to send you our credit repair secrets without the small charge, we must protect ourselves from those who are not serious and have no other intention other than to satisfy their own curiosity. Naturally, no business can afford to send out costly information and material to everyone who writes in asking for it. This small charge assures us that you are serious about wanting to repair your bad credit once and forever.
Even after you have examined our Credit Repair Secrets, and if you still have doubts, in repairing your bad credit, simply put off the remaining payment until you are 100% satisfied that your credit has been restored. We shall not send you any reminders for the balance of the payment, or any additional invoices, and we will give you the benefit of the doubt of being a sincere individual who wishes to learn the credit repair secrets, and will make payment of the balance when you are completely satisfied.
The way we see it is that the information and knowledge we have acquired over the years is worth thousands of dollars, far more than the amount we are charging. After all, this knowledge will stay with you for the rest of your life, and not only can you benefit from it yourself, you will be able to assist your family and friends who are in a similar situation. You get our knowledge at a Super Amazing one-time deposit of $39.00.
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