for nearly as long as their have been banks, there has been credit. and as long as there has been credit, there has been bad credit.

historians believe banking originated in ancient mesopotamia as a way to provide secure places for the keeping of grain and other commodities. later, around the time of the crusade, the need to transfer sums of money for trading purposes led to a primitive form of credit in major european cities like rome. in fact, the first documented credit contract was signed in 1156 by two brothers who had borrowed 115 genoese pounds from a bank. the agreement? they had to reimburse the bank’s agents in constantinople by paying them 460 bezants one month after their arrival.

so much for your history lesson. if you’re considering purchasing the thinker’s guide to repairing your credit reports, what happened 850 years ago is probably the least of your worries. you want help now.

this exclusive e-book will tell you about the big three credit reporting agencies, how they work and the specific steps you can take to obtain, scrutinize and effectively dispute negative marks on your credit reports.

we will also discuss chexsystems, a powerful credit reporting agency that few people have heard of but whose impact is felt by millions. are your considering turning to desperate measures? check out the thinker’s opinion on so-called “credit doctors” that often take your money and do little in return.

finally, we’ll examine the controversial tactics some people have used to obtain new credit files through a risky process called file segregation — and why the risks may outweigh the potential gains.

you don’t have to be among the millions of americans who can’t get loans for cars, home mortgages and credit cards. the power is in your hands. take advantage of our proven tactics to clean up your credit reports today!

fun, easy-to-follow steps toward a cleaner, leaner credit report.

sample dispute letters you can use to tackle a variety of situations, from challenging errors to demanding action.

knowledge you should know before taking on the powerful credit bureaus.

the u.s. government has much to say about your rights, cras and the legality of so-called credit doctors.

what is file segregation? how does it work? and why are so many people risking fines and even jail time to fix their credit?

purchase the thinker's guide through a secure server and start fixing those credit problems today!