Credit.Nwait.com
Repair Your Credit the Legal Way! 
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Bad credit repair isn't as difficult as most people think.  You can do this with a simple "credit repair letter".  For a fraction of the cost, we can show you the ins-and-outs of credit repair.

What is Credit.Nwait.com?

We will teach you the ins-and-outs of credit repair.

  • Learn How to borrow up to $10,000 and pay ZERO interest!
  • The One "Government Sponsored" source to get a FREE copy of all 3 credit reports.
  • How to legally - and ethically - get banks and credit card companies to PAY OFF up to 100% of your debt.
  • The startling discover of a "Credit Repair Wizard"
  • Improve your credit score in as little as 45 days
  • How consumers have used on "little-known" Privacy Law to completely eliminate medical collections.
  • The 4 Critical steps to take if you've been the victim of identity theft or fraud.
  • And much more

Learn how to fix your own credit report for little or no money.  Stop paying those "Credit Counselors" $795 and up to do what you can do for free once you learn how and get the proper tools that you need.

Sign up today for $9.95 for the first month.

Sign-up now and get the first month for only $9.95 and only $19.95 per month after that.  You get all the information you need and all the tools you need to make sure that your credit report gets clean and stays that way.

As a BONUS, you will get access to ALL of the pre-written letters used in this course.  That's a $24 value for FREE just for joining.

We want your story: If you've been successful repairing your credit, we want to interview you. Just email: creditinfo@nwait.com

Credit Card Consolidation

Your Debt To Income Ratio

Always remember, in the world of credit, creditors view your debt as NOT what you owe, but what you could owe. This means if you transfer a balance from an existing credit card to a new introductory rate card and do not close the first card's account, your potential debt will be equal to the combined credit limits of both cards. And that's what creditors will be calculating against your income. If you have already established a strong credit history, you may want to close any credit card accounts you no longer intend to use.
Your Credit History

One of the most important factors creditors use when determining your creditworthiness is your credit history. Keyword being HISTORY. When you jump from one card to another, you are NOT establishing a credit history. If you have not yet established a history, you may want to keep your first account open and ask to have the credit limit lowered to $100. This way your potential debt will remain low while you continue to build a history and, in the event their offer changes, you can return to the first card without having to reapply.