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Are You Secretly Sacrificing Your Income?
Millions of ordinary Americans
are paying more, or worse, being denied for a loan, credit,
insurance, rent or utilities because of the growing use
of the consumer “Credit Score”. In virtually
every household budget a Secret Sacrifice is being made
by consumers as creditors use the credit score to justify
increased fees on the highest level of consumer debt in
history.
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Here's How
The Secret Sacrifice Costs You Every Month:
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| Monthly
Bills |
Lori
with Credit Score: 502 |
Tim
with Credit Score: 698 |
Credit
Card 1
w/$3,500 balance |
$340.86
(29.8% APR)
$39 Late Fee |
$312.59
(12.99% APR) |
Credit
Card 2
w/$3,000 balance |
$289.52
(28% APR)
|
$266.55
(12% APR) |
Credit
Card3
w/$1,500 balance |
$141.84
(24% APR)
$29 Late Fee |
$131.87
(10% APR) |
| Auto
Loan $25,000 |
$581.71
(14% APR) |
$486.23
(6.25% APR) |
| Auto
Insurance
|
$143.17 |
$98.32 |
Utilities
Electric, Phone & Cable |
$224.97 |
$196.17 |
| Totals |
$1,790.07 |
$1,491.73 |
Lori
is paying $298.34 (20%) more per month than Tim for the same items!
Lori is sacrificing
$3,580.08 of her annual income due to her low credit score. |
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Chart
is for illustration purposes only.
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But That's Not All. Your Low
Score Is Hurting You In Other Ways:
Denied
Credit. Having a low score often
means you won't get that credit card you want. Ready for
a new car? How about a new home? It's not going to happen
with a low score. Don't put your dreams on hold, you need
a proven plan to achieve your dreams! Get
your plan now.
Higher
Insurance Rates - Or Worse, Denial Of Insurance.
That's right. It might not seem fair, but the price you
pay for insurance is often based on your credit score.
With a lower score, your insurance company will expect
you to be a higher risk. Don't expect your insurance agent
to tell you about this dirty little secret. The good news
is you don't have to be a victim. Stop
the madness now!
Higher
Utility Rates. The Secret Sacrifice
has worked so well to increase profits for your lenders
and insurance agents that now utility companies are jumping
into the game. That's right! More and more electric and
telephone utilities have switched to risk-based pricing
- which is just a fancy way of saying they are going to
charge you higher prices if you have a lower score. You
need a strategy to win this game!
Apartment:
Denied. Employment: Denied.
Did you know that when you fill-out an application to
rent an apartment -- or even an employment application
-- you are often giving permission to use your credit
as a factor in the decision? Your landlord wants to know
if you are at risk of defaulting on your payments. And
your employer considers your credit management habits
as an indicator about your reliability and trustworthiness.
Sure it may not seem fair, but that's the way it is. You
can't afford to lose this game. Take
control of your credit now.
Stop Making The Secret Sacrifice!
Raising your credit score
is the key to avoiding the Secret Sacrifice. Unfortunately,
the credit scoring method is a well guarded secret. Not
even the company that denies you credit can tell you exactly
why you have been given your particular score. But when
you enroll in the CE ScoreManager program, you not only
learn what your score is -- you'll see the factors that
created your score AND how to improve it to avoid the Secret
Sacrifice.
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