If you or someone you know has had credit problems in the past - no matter how bad, this information is vital. These are the SECRETS that the Credit Bureaus DON'T WANT REVEALED! Sometimes circumstances lead even the best of us to have a less than desirable credit rating. Let's face it, in today's cashless society, where everyone uses credit cards and ATM cards, you are judged by your credit rating any time you want to purchase something!

If you have failing credit the 3 Big credit agencies can be relentless, and beyond popular belief very few debts will ever go away short of filing for bankruptcy to get rid of them. Or, ! there is an alternative. Take the steps to repair it yourself.

      Take a look at this Great credit building plan.

To work this plan you need at least $400 to begin. You should borrow this from your friends if necessary. Then go to a bank of your choice and deposit the $400 into a regular passbook savings account. Wait a few days for the account to be posted and return to the bank to ask for a $400 loan - you offer the passbook as collateral. Since the bank is already holding your $400, you go to another bank open a savings account lending you another $400 and they won't even make a credit check. Then, with your borrowed $400, you go to another bank, open a savings account, return a few days later, borrow $400 from that bank using your passbook as collateral. Then repeat the process at a third bank with your borrowed $400. Wait a few days to go to a fourth bank where you open this time a CHECKING account. Wait a few days and make a payment on each of the other three loans. A week later, make payments again on the three loans, and continue paying each week until you have almost paid off the balance. A credit investigation at this point will show you with three active bank loans (which are considered hard to get), a checking account, and a paying history for the three bank loans - with you having paid up in advance. Thus, you have AAA credit in as little as 30 days. From here you go on to apply for loans, credit cards, and other items on credit.