credit solutions
You can save thousands of dollars in interest payments to credit card, car loan, and mortgage companies every single year, regain the financial dignity and lifestyle you deserve, all in an honest, ethical, and legal manner.

HT Credit Solution offers the best improved credit solutions, you can do all by yourself! Put credit laws to work for your benefit, instead of big banks and credit bureaus. Let me show you how…

Many people, including you, believe there’s nothing that can be done about less-than-perfect financial history, including such life events as losing your job, filing bankruptcy, divorce, foreclosure, unexpected medical bills, or collections… But there’s a lot that can be done to improve your financial outlook.

None of us are perfect… Everyone has hit a financial wall at some point and things happen. Life gets in the way of even the best laid plans. When it happens, those negative events may seem cataclysmic at the time… they may even have prevented you from following your plan for a moment. But I have to share with you, these negative events don’t have to stop you from living the life you planned.

You CAN purchase the home of your dreams, drive the car you’ve always wanted, and save thousands of dollars, every year.

HT Credit Solution gives you tools to improve your credit scores honestly, ethically and legally.

Maybe your life experience has given you such a horrific financial beating that you can’t get approved for a new line of credit?

It’s okay – I’ve worked with literally hundreds of borrowers to improve their credit score. The laws used by professional credit brokers, bankers, and corrections counselors are the same laws that you can use to deal with credit reporters, to work in your favor. In fact, these laws were created for the consumer.

Before I go any further, let me introduce myself and answer the one question you may be asking:

Who am I and why should you listen to me?

credit solutionBefore the Great Crash of ’08, it was my job to help people qualify for loans. I was really good at it, and I became really close to being an expert on personal credit. I know what you can do to legally maintain the highest FICO scores possible.

I’m going to be right up front and tell you, there are no shortcuts, or easy buttons to do this, and nobody will give you a “perfect credit score card” when you pass go. This isn’t monopoly, and we don’t have play money here, we’re all in this for keeps. Any company or website that says anything different, isn’t being 100% honest with you.

While the information I’m providing for you in my book, is common knowledge in the lending and credit industries, it’s pretty well-hidden from most American consumers, like you.

What I discovered, while working in the financial industry, was why the creditors and credit bureaus want to keep you from knowing these laws is really pretty obvious. They don’t want you to know how the system works, or even that it DOES work, because —-

The lower your credit score, the more money creditors can charge you in interest!

I don’t know about you, but I’m not in this life to make creditors more money. And that’s the rub… Lower credit scores make it extremely difficult to get ahead financially and live the life you want and deserve to live.

Credit bureaus are making their living selling lists of people – like you – with less than perfect credit scores to banks, to credit card companies, and to other lending companies, to make their money off of those who are least able to afford to pick up the tab. I don’t know about you, but that makes me a little bit angry. And I wanted to do something about it.

Unfortunately, it isn’t in the credit reporting bureaus’ best interest to let you know how to improve your credit situation since those credit institutions don’t buy lists of good to great credit holders. That group of people aren’t interested in the high-interest loans and credit cards that reap the most profit, so their credit lines aren’t exactly the ones the reporting bureaus choose to pursue.

Why do credit reporting bureaus hope you never discover how the reporting system works?

The simple answer: The lower your credit score, the more creditors can charge you when you borrow money.

Credit files on about 90% of all American adults are maintained by three major credit reporting bureaus – Experian, Equifax, and Trans Union.

These files are routinely sold to credit grantors, landlords, employers, insurance companies, and many others interested in the credit record of a consumer, more often than not, without the consumer’s knowledge or permission. As an average, each Bureau receives about $145 on each credit account in their files, each year. That’s a lot of money, made off your information each year.

And if you’ve paid any attention at all to your credit report, you’ve probably noticed that there are generally errors on every report.

Several studies indicate that since the early 1990’s, sloppy credit bureau reporting practices have lead to many mistakes on credit reports, for which the consumer pays the price. Consumers with errors in their credit reports, are denied credit, home loans, apartment rentals, auto insurance, even medical coverage. They are denied the opportunity to open bank accounts or use a debit card. Consumers with serious errors in their reports who do obtain credit or a loan, pay higher interest rates because mistakes and errors on their reports place them in sub-prime, high-interest lending pools.

In 2004 The National Association of State PIRGs conducted a study in which they asked adults in 30 states to order their credit reports and complete a survey on the reports’ accuracy. Key findings include:

  • Twenty-five percent (25%) of the credit reports surveyed contained serious errors that could result in the denial of credit, such as false delinquencies or accounts that did not belong to the consumer;
  • Fifty-four percent (54%) of the credit reports contained personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
  • Twenty-two percent (22%) of the credit reports listed the same mortgage or loan twice;
  • Almost eight percent (8%) of the credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer;
  • Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but remained listed as open;
  • Altogether, 83% of the credit reports surveyed contained either serious errors or other mistakes of some kind.

States have long taken the lead in protecting consumers’ privacy and ensuring the accuracy of credit reports. In 1992, Vermont was the first state to pass a law providing a free annual credit report on request, followed by Colorado, Georgia, Maine, Maryland, Massachusetts, and New Jersey. California adopted other comprehensive reforms in 1994 and later became the first state to require disclosure of credit scores. Congress eventually followed the states’ lead, adopting some credit reporting reforms in 1996 and criminalizing identity theft in 1998. In December 2003, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). With the FACT Act, the financial industry won its primary goal: permanent preemption of stronger state credit and privacy laws. The FACT Act also included several modest consumer reforms, borrowing from state laws already enacted, including the right to a free annual credit report on request. Although these consumer reforms came at the unacceptable price of a state’s right to protect its consumers, the law includes a number of provisions designed to enhance the accuracy of credit reports. Despite recent federal action, we need to do more to protect consumers’ financial privacy and ensure the accuracy of credit reports.

There is still hope!

You don’t have to settle for paying out more money than you should, or not living the life you planned, or even living in a less than desireable home. You can drive the car of your dreams and vacation where you wish!

You can improve your personal credit score in an honest, ethical, and legal way, as long as you comply with the laws and statutes that govern our reporting and scoring system.

How can you improve your credit score and financial life?

dream vacationYou have access to one of the most complete, do-it-yourself personal credit guides available today. I’ve loaded this guide with complete, step-by-step instructions on how to legally remove negative credit items, increase your FICO Score, and maintain the highest score possible in the future.

It’s called HT Credit Solution.

This jewel of a book has 233 pages of rock solid content, including every single thing you need to know about improving your credit, and your financial situation.

You’ll find everything you need to have in hand, in the pages of this book, even after bankruptcy!

You’ll find all the information you NEED to have in hand to improve your credit score and repair your financial situation to maintain a better life.


  • How to rebuild your credit in a short amount of time… even after bankruptcy!
  • Why you should never use standard “boilerplate” letters from credit repair or law firms to challenge negative items
  • Why credit restoration and maintenance (if done the right way) is NOT illegal
  • Why creditors frequently leave out key information on your report (an attorney testified to this before Congress!)
  • Removing a bankruptcy from your report is always good, right? Wrong!
  • Keeping a bankruptcy on your report could actually give you a higher score
  • Four ways to legally remove court judgments from your credit history
  • Basic strategies to removing a collection account from your report
  • When you should work with an attorney to handle negative credit items
  • How and when to use ‘goodwill requests’ to remove late payment items
  • The three kinds of credit cards that can rebuild your credit
  • Why your FICO score could be in the low 600s… even with a perfect credit history!

Don’t just take my word for it!

Here’s what some of my customers have to say about my services:

“Thanks for changing our life.  We were in a position of despair.  Both Scott and I had given up hope on being a homeowner.  We were put in touch with your ebook and now our lives will never be the same.  We qualified for a “First Time Home Buyer” program and love love love our new home!  You are the best!!!”
Marie B.
Indianapolis, IN

“Shout out to HT Credit Solution!  Thanks so very much for the help your book provided to get my credit straight!  After just 2 months, I received an application for a credit card and after 4 months, I purchased my first brand new car!!! You are the best!”
Jose R.
El Paso, TX

“This is just to tell you how pleased I am with your ebook. I want to tell anyone looking at your website to just do it. It can change how and where you live today. We have lower interest rates for our home, and we also included some other payments in our refinance that helped us free up more money for everyday life. Thank you!”
Raul D.
Salt Lake City, UT

“Hi there, I just wanted to say thanks for the major credit improvements I am seeing so far. I can now walk into a car dealership with the confidence I can actually buy something if I choose! What a difference a year makes. Working with HT Credit Solution has changed my outlook. I’m so glad I decided to purchase the book!”
Susan D.
Carlsbad, CA

“I wanted to write a quick note of appreciation to you.  My husband passed away and I “inherited” debt I didn’t know we had.  It took about 4 months to straighten out my credit, the book gave me guidance and made me feel whole again.  Thank you for all you have done!”
Tonya J.
Port Charlotte, FL

Gotta share just one more…

“I did what the book suggested, worked 20 minutes a night, and raised my credit score. It is rare these days to get what you’re told. Thank you for coming through! I’ll send others your way!”
Gail C.
San Marcos, CA

Okay, I get it, there’s a lot of information out there, from credit repair companies that want to restore your credit. They’re not the same thing, and there are many good reasons why you should NOT rely on their Free Information. I’m giving it to you straight up here…

Not ALL Credit Restoration Guides Are Created Equal!

Here’s why you shouldn’t rely on free information to restore your credit. They’re not all alike, and they’re not created equal. You may have even purchased one of these credit info-products in the past, and gave it everything you had to fix and improve your credit score. Reality here… They probably gave you outdated information, or it may have even been just plain WRONG. And it didn’t do a thing for you.

I’ve done the research for you!

I’ve personally read over a dozen do-it-yourself credit guides. Most don’t provide a lot of good, useful information that can make any difference in your credit score or your life. And, you really shouldn’t purchase any do-it-yourself credit restoration guides unless they meet the following criteria:

1. It explains in detail exactly how personal credit scoring systems workbad credit

2. It tells you what information can (and what can’t) be challenged or removed from your credit history

3. It has the most current laws and statutes regarding credit reporting

4. Finally, it explains (in detail) what ethical and legal steps you can take to improve and maintain your business and personal credit scores.

HT Credit Solution does meet ALL four of these criteria.

So, here’s the deal, if I were to personally teach you everything in this book, it would take about 8 to 10 hours. My time is billed out at $250 an hour. Comparatively, that 8 hours would cost you about $2,000. But the book I created for you, filled with all the information I would be teaching you in my class won’t cost you that much… In fact, it won’t cost you half (at $1,000) or even a forth (at $500)… But just $37, and you’ll be armed with all the information you need to repair your credit, and change the course of your financial situation.

You won’t be a victim anymore, but rather a victor, in full control of your financial life.

To summarize what you get with HT Credit Solution:

good credit – 234 pages of solid content defining and discussing personal credit reporting and scoring systems
– details about what you can and can’t do to remove negative items and improve your scores
– the latest updates on federal Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA), word for word
– complete templates describing every entry of a credit report from all three Credit Reporting Bureaus

All of this in easy to read and understand details, including templates, recommended wording, and applicable solutions and updates for improving your credit report, based on actual details of credit reporting laws that may now be used against you… Only you can use them to your benefit when you understand how!

When  your credit score improves, you’re able to lower the interest rates you have to pay, and get credit through better creditors, which means –

You’ll be able to get all of this:

  • new car your family needs, and wants.
  • You’ll be able to afford a better home for your family.
  • Your insurance rates will be lower.
  • You’ll be able to take the vacations you’ve always wanted to take
  • There’ll be money for your children’s college education
  • Friends, family, and peers will give you more respect because you’ll have more of the finer things life offers.

With more peace of mind, you’ll know your financial house is in order!

new car

You do know already how much difference it will make in your life, if your credit report showed a better score. So, I’m not going to waste your time explaining the benefits of improving your credit score, or lowering your interest rates, but what I am going to do is give you a little bit of insight about what it means to have more control of your financial future.

The biggest benefit of knowing what your credit score is over the long haul of life, is understanding that you’re not in this fight losing ground because of someone else having control over your finances. You’re able to do what you need to do, when you need to do it, to take care of and protect your family. You’ll HAVE the money, the credit, the financial fortitude, when you need it. And that my friend, is important!

My Business Guarantee to You

I guarantee that the information presented on personal credit in this book is accurate and up-to-date. I guarantee that if you’ll put a little bit of effort each day with HT Credit Solution (20 minutes a day, for up to six months) you will have a better credit score.

Full Disclosure: 

Because it is a do-it-yourself guild (and your results will depend on how well you understand and take action on the information), I cannot provide a money-back guarantee.

However, I believe that this guide is one of (if not the) most complete and accurate DIY guides on credit restoration on the market today. And I’m putting my good name and reputation behind it… That’s why I’ve put so much valuable and useful information as possible in HT Credit Solution.

There’s one more thing I forgot to mention:

How much money can you save with a higher credit score?

buying a houseIf you have a mortgage, two car loans, and three credit cards with a 640 credit score and raise it just 60 points to a 700 FICA, you’ll pay on average $600 a month less in interest. At $600 a month, that’s $7,200 over a year’s time.

Even if you save only half that amount, that’s still $3,600 and you’ve invested only $37 in this book.

You’d make over 25 times the investment in this guide with any of those scenarios That’s a lot better than the stock market or a bank CD these days.

This book is available in ebook form, or in full print book form, on Amazon – just click the link below to purchase the printed book for your personal use.

To order HT Credit Solution, click the button below.

Credit Solution

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