* This call is intended for informational purposes only and must NOT be taken as legal advice.

Each case is unique and your results may vary from those examples stated here on this call. My name is Bruce McInnis , and I am the author of the Credit Education eBook and creator of the Section 609 Dispute System. My eBook teaches techniques and tips that will help to raise your credit score 60-100 points or more. Education is the key to responsible management of your credit profile. I have also created a program called the Credit BluePrint. This Credit BluePrint program will be delivered to you every single day of the week as a Newsletter. This Credit BluePrint is literally the EBOOK in action. So not only will you receive my 65 Chapter Educational eBook, but I have dissected the eBook into daily bits you can easily understand and apply to your OWN credit file. I have also included a Classroom Training Series that allows you to go through the ebook 15 chapters at a time and test your new- found knowledge. Upon completion of all four sections and tests I have developed a final exam. This knowledge will allow you to maintain control over your credit file at the bureaus. You will always know what must be done to maximize your credit scores.YOU will have control!

The rest of this call will focus on the FREE dispute assistance program. People are so skeptical these days of anything that appears too good to be true, and rightly so. Credit repair DOES NOT WORK! It is a temporary fix at best and costs thousands of dollars.and in the end..your credit report is still in no better condition.. My system has been held privately for the last 12 years, as Loan Officers and Mortgage Brokers sent me word of mouth business. I have never had a need to market what I createdand I really didnt know I had found something so powerful.until I started being contacted by very large corporations and groups of attorneys who had found out my system worked. They had tried every other disputing system available and were consistently disgusted with the results. My intentions were to write a book on the subject of Credit and create an education model I could use nationwideand in January 2009..I finished the eBook and published it. Once that task was complete.I did not want to charge people to use my dispute system.so I included it as a free service with the purchase of my Credit Educational System. Now.I will talk about how we got here.

* I will be taking a few minutes to talk about the Fair Credit Reporting Act and how it relates to what we do. What is the Fair Credit Reporting Act? It is a collection of over 200 laws and 400 bi-laws that regulate the way Creditors report your personal, financial information to the Credit Bureaus. It also spells out your rights regarding unverifiable, inaccurate, obsolete or false information. It is a handbook for you, as a consumer, to use when you feel something related to credit or your credit reporting has been violated. * The History of our system.While working at Friedman Jewelers in the Bellevue Mall in Nashville, TN.I was faced with a dilemma when a customer challenged me saying that none of the negative accounts listed on her credit report we pulled, were hers. My job was to offer each customer the ability to open a store account, this included pulling a credit report on each applicant. This particular customer was so adamant in her resolve to convince me she was telling the truth.that I actually began to believe her. I went home feeling horrible as I did not know what to tell this lady to help her. After completing a Google search on the FCRA I scanned down through the law until I recognized the heading of Section 609 The CONSUMER DISCLOSURE SECTION. Although I

was not an attorney..I was very familiar with copyright law, because of copyrights I have on songs I have written, and I found the Consumer Disclosure section found in the FCRA.to be much like it was in copyright law. In laymens terms..I understood that there was a reporting procedure that was required between the Creditor that held your account, and the Credit Bureau that reported your information. The reporting procedure required was, for the Creditor to provide a copy of verifiable information to the Credit Bureau. Just a copy. So.what is verifiable information? Verifiable information is proof of whatever the creditor was reporting. The only proof available to a creditorwould be the contract or agreement you filled out and signed.opening that account So.in order for the credit bureau to report that information on their credit report about you..they would need to have a copy of that contract or agreement showing it was your account. As a consumer..one of your rights under the FCRA.is to be able to challenge the credit bureaus proof of the accounts they report..think about it..if the Credit Bureaus werent held liable to collect verifiable proof..could they report unverifiable information on anyones credit report??? Under the existing reporting practices..absolutely YES!

There have been studies by Congress.the Consumers Union The Charles Givens Organization and many other Consumer Advocate Groups. They have all concluded that between 7090% of all credit reports have errors! 70-90%! So someone is NOT verifying what is entered on our credit reports! * In 1999.After finding Section 609.I contacted a friend of mine who was an attorney. I asked him to draft a legal letter, based on Section 609, that I could offer to this customer, I felt, was telling the truth. The next 6 months would change my life and now the lives of almost 200,000 people. I called the customer in to the store and offered the letter I had drafted. She graciously accepted it and left the store. Over the next 60-90 days I ended up taking over the management of that store and this lady walked in one day with a handful of letters in her hand.with a big smile on her face and she challenged me to pull her credit again. The credit bureaus responded by placing the items disputed under investigation and at the conclusion of their investigationall of the challenged items were removed without an explanation . without Im sorry or any acknowledgement of a wrong on the part of the credit bureaus. ! I knew right there and then that there was

something more to this section of law I had found. Her credit scores were in the 800s! I began handing a copy of this letter to everyone that got turned down for an account! The result at the store was a 600% increase in the number of store accounts opened every month at that location. At church, shortly thereafter, I met a lady who worked as a Loan Officer at Wells Fargo in Brentwood, TN. She introduced me to the branch manager and the rest is history! I vowed to research and dispute as many as it took to prove that there was something wrong going on in the credit reporting world! After completing several hundred cases at no cost to anyone.I introduced this disputing system to the Mortgage Industry. I didnt realize it at that time.but I was and still am the ONLY company in the entire United States doing this type of dispute. * Our process is very simple. We are disputing reporting law..not whether or not an account is yours..but whether or not the credit bureaus have a copy of that verifiable proof they are required by law to have on file on that account. So this is NEVER about what type of negative we challenge..YOU simply have a right to receive a copy of the Original Creditors Documentation. So what can be removed from a credit report? Anything that cannot be

verified. That is key to what we have found..the credit bureaus, the FTC, the Attorney Generals Office..they all tell you the same thing.YOU CANNOT REMOVE A VERIFIABLE ACCOUNT.and they are 100% right! You cannot..but if any account is unverifiable..what is the remedypermanent removal of the accountWhat really puzzles me is.we have NEVER received a single piece of verifiable account information from ANY bureau. We all know that if we were to request that same verifiable proof from the creditor..they usually comply very quickly and will oftentimes send you a copy of your account application/history within 24 hours. That is fine..but the creditor does not own the credit bureau reportthe credit bureaus do! The credit bureaus are required to have a copy of that same verifiable proof. They are the agencies reporting your information to underwriters and Loan Officers.and banks and so forth. Under the FCRA..they need to provide you a copy of verifiable documentation if it is requested by you the consumer. AGAIN LET ME STATE We have now assisted over 191,000 clients since 1999 without a CLIENT failure! This means that NOONE who has completed our Educational System and Free dispute process has walked away dissatisfied with their results. We have NEVER RECEIVED a single copy of verifiable

proof on a single client account.NEVER! They do not have them on file! All credit bureau reporting is done electronically via email or fax. But that is NOT what the law says must be done. Read about the History of the Credit System in my eBook to understand WHY the reporting practices and procedures are acceptable today.but the law never changed that regulates them. OUR STATISTICS SAY IT ALL! IF OUR INTERPRETATION OF THIS LAW WERE WRONG..IT WOULDNT WORK.THEY WOULDNT DELETE OR CHANGE THOSE ACCOUNTS IF VERIFIABLE, ACCURATE, UPT0-DATE INFORMATION WERE PRESENT. WE DO NOT GUARANTEE 100% OF THE ITEMS CHALLENGED WILL BE DELETED DURING THE ONE FREE YEAR OF ASSISTANCETHE DISPUTE SYSTEM IS NOT FOR SALE! OUR GOAL IS TO EDUCATE YOU ON THE CREDIT SYSTEM USED AGAINST YOU.AND ASSIST YOU IN GETTING AS MANY DEROGATORY ACCOUNTS DELETED OR CHANGED DURING THAT TIME. INTERESTINGLY, MOST PEOPLE ENJOY A 100% CLEAN CREDIT REPORT AT THE CONCLUSION OF OUR TIME WITH THEM. WE PRIDE OURSELVES ON FINISHING WHAT WE

STARTAT NO ADDITIONAL COST TO THE CLIENT! * Timeline to complete a disputeEvery single case is unique. Every case will eventually attain the same average or better..howeverwe have to follow the FCRA and the law prohibits us from disputing more than 22 negative items at any one time. So sometimes we will have a client with 40 negatives start with us. It will take 2 complete disputing cycles to complete their individual case. Each dispute cycle is approximately 45 to 60 days. So.2 cycles would take that client up to 4 months to complete. Here is what a customer can expect to have happen: * After purchasing the eBook, if you would like to take advantage of our FREE disputing system.simply fill out the Account List sheet at the bottom of the application page with the negative accounts you would like challenged. If you are not sure what accounts exist. Go to www.annualcreditreport.com and pull your FREE credit report. All of your accounts and account numbers are listed on this free report. * Up to 22 of those entries are documented on dispute letters addressed to all 3 major credit bureaus

(Equifax, Experian & Trans Union). * The dispute letters are forwarded to you via email, or general mail delivery, if no email is available, with a Welcome Letter and Instruction Letter attached. * The customer checks the personal information on those dispute letters..signs each of them.and includes 2 forms of identification with each letter..and mails them out to the credit bureaus. A signature required is usually sufficient for proof of delivery. * 17-21 days after sending the initial dispute letters..each credit agency will begin sending you form letters or even a copy of your credit report. These letters are intended to be what is called an acknowledgement letter.simply notifying you that your case is under investigation. No matter what you receive.do NOT answer it by yourself..forward it to us to review. * 17-21 days later..you will begin receiving the Results of Investigation.again forward everything to us to review and respond. * We have a proven system of responses that force the credit bureaus to remain focused on the section of law we are disputing. They would gladly take your mind off the fact that NO verifiable proof accompanied the RESULTS you just received!

* If anything remains unchanged.we simply readdress section 609 in a follow up dispute letter and force a re-investigation to take place! 10. If 60 days EVER goes by without a response.we must know immediately from the client so we may address a DELAY of Investigation letter to that credit bureau failing to respond. 11. We have become experts at researching & analyzing credit report. We know the coding system used to calculate credit scores..we know how to maximize your credit scores..all on an individual case by case basis. * We can help you attain a positive account on your credit report as a trade line in 60 days or less..do you know how many of what types of accounts you need to receive the highest credit score.do your open credit card accounts that you pay off monthly.hurt or help you? What is an authorized User????? All of the answers to these questions are in my eBook. We have an email-based customer service that virtually allows us to communicate with hundreds of clients simultaneously. *Changes you can expect Using all of the cases we have assisted.the average client credit score rises 60-100 points. This can happen in the 1st cycle

or in any combination of cycles depending again on the number of items disputed. Scores have gone up over 200 points and in cases where there are only a couple of negative items..20-30 points! Once these negative items have been proven unverifiable..they are PERMANENTLY REMOVEDwe have not had a single account reinserted. REMOVING the negative item does NOT mean that the account is not yours or the debt attached to it is simply wiped away! It simply means that the creditor cannot use the negative account against you anymore to prevent you from obtaining additional credit! We believe in second chances! We believe that given another chance.knowing the rules of the credit system..you will successfully change the habits and patterns of your past. Success to all of you. Come Join us AS WE EDUCATE THE ENTIRE COUNTRY ON THE CREDIT SYSTEMWE WILL BE THOSE THAT STIMULATE THE ECONOMY! God Bless