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Guaranteed to increase your credit score...or your money back!
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HOME EDITION - for home-users


Legally BOOST your CREDIT SCORE and save thousands of dollars in high interest. Credit-Aid Software makes credit repair as easy as clicking your mouse. Order free credit reports, remove errors, generate powerful letters that place the burden of proof on credit bureaus and keep it all organized. It's written by attorneys to use the credit system in your favor and boost your score fast. Learn more
Increase your credit score faster than any other method.
Seen on CNN, MSNBC and Suze Orman
ONLY $29.95
If your credit score does not increase within 90 days we will refund 100% of your purchase including shipping!
"I raised my credit score
237 points"

D. Goodman,
Phoenix,AZ
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Quick Video Tour:
Screenshots, Features and Extras:
Benefits:
How much can this save me?
How can Software RAISE my CREDIT SCORE?
The Fair Credit Reporting Act gives you the right to dispute any item on your credit report. If that item cannot be verified it must be removed. Even accurate negative items can often be removed. Some require negotiation. Credit-Aid Software guides you every step of the way: order free credit reports, remove errors, generate powerful letters written by attorneys, track your progress and keep your finances organized. It's easy to use and it guides you the whole way. Most people see positive results within 30 days.
It's guaranteed to IMPROVE your CREDIT...or your Money Back!

We are the leader in professional credit repair software for mortgage brokers. We now offer this special version just for home users, written by attorneys to use the credit reporting system in your favor. It makes credit repair as easy as clicking your mouse!

This software is 100% legal and success proven, written by attorneys.


These are the tools the professionals use yet you'll only pay a small fraction of what they would charge to repair your credit. No other software on the market can help you improve your credit score as fast for such a small price. Not convinced? TRY IT FOR 90 DAYS or your money back.
5 minute video tour
Order free credit reports!
Remove errors, dispute negative items!
Use the credit system in your favor!
Works faster than any other method!
Compatible with Window 7
money back 60 days guarantee
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CREDIT-AID™ Home editions are for home-users only and not for professional use. Learn why

Credit-Aid Software
10866 Washington Blvd. #447
Culver City, CA 90232
Toll Free: 1-800-944-1838 ( Hablamos Español)

©2002-2010 Credit-Aid Software. All rights reserved. Reproduction, adaptation, or translation of this document without prior written permission is prohibited and is protected under the copyright laws. Credit-Aid Software is a registered trademark of Daniel Rosen Inc. All other trademarks are the property of their respective owners. Windows® is a registered trademark of Microsoft Corporation in the United States and other countries. Credit-Aid Software is licensed to install on one (1) computer. All sales are final unless otherwise stated in terms and conditions. Credit-Aid™ Software's intended use is to help automate the process of cleaning up your credit history reports. Credit Doctor Software gives Credit Information, not legal advice. For questions about specific issues regarding your credit, please consult an attorney.

 

 

 

 

Improving your Credit will save you money!

A higher credit score will qualify you for a better loan on a home, car, credit cards, mortgage or refi. It can save you hundreds of thousands of dollars in the life of a mortgage. A low credit score will make it very difficult to qualify for any mortgage.

A higher credit score can save you an enormous amount of money because it usually means a lower mortgage interest rate. It also can mean the difference between qualifying for a loan or not.

What does bad credit really cost me?

According to Fair Isaac™, lenders would probably demand a 9.8 percent interest rate on a $300,000, 30-year fixed mortgage for a borrower with a credit score between 500 and 579. That would translate into a $2,585 monthly payment for principal and interest. But a borrower with a score between 760 and 850 seeking the same loan would qualify for about a 6 percent rate that would cost just $1,796 a month for principal and interest. That savings of $789 each month would total $284,040 over 30 years!

Use the Credit Laws to your advantage

US Credit Laws give you the right to dispute any listing on your credit reports that you feel may be inaccurate, untimely, misleading or unverifiable. If a credit bureau can't verify the accuracy of an item that you dispute, by law they must remove it from your credit report.

The Fair Credit Reporting Act gives you the right to accurate credit reporting. Exercise your right by having all of your questionable credit listings either verified as accurate or immediately removed from your credit reports. By law, the bureaus must comply.

Credit Repair Companies can do this for you, but they can be very expensive (and many of these companies buy their software from us). Credit-Aid Software is the affordable alternative. It guides you through the process of ordering and examining your credit reports, generates all the neccesary paperwork and tracks the entire process. It can save you thousands of dollars and hundreds of hours of valuable time.

You can repair your credit!

You can repair your credit yourself without having to hire an inexpensive credit repair company. A Credit Repair Company cannot do anything for you that you cannot do for yourself for little or no cost. You just need some patience, motivation and an understanding of how to work the system.

Credit Repair Software also cannot do anything for you that you cannot do for yourself, but what it can do is save you hundreds of hours of time by generating letters, guiding you, and helping to organize and track your progress.

To see exactly how it works, view this 5 minute video tour.

Credit-Aid Software saves you hundreds of hours!

Credit-Aid Software™ stores your user information, generates letters and automates the process of cleaning up your credit. State-of-the-art animations and wizards guide you through: Ordering Free Credit Reports, Removing Errors and Negotiating with Creditors. Includes Organization and Planning Tools, Financial Calculators and useful Tips. Ease of use and powerful features make it the best Credit Repair software available. Over 100 5 star awards have made it America's most trusted Credit Repair Software.

What does a low credit score really cost?

Do you know what your credit score really costs you over the life of a loan? If your score is above 720, you should have no trouble qualifying for a low rate loan. But the lower your score is the more difficult it will be to qualify, and the higher the interest will be. Your monthly payments can be over 40% higher with a low score!

Here is a chart that illustrates the effects a low credit score can cost you over the life of a loan:

YOUR CREDIT SCORE

*ADDITIONAL COST
TO YOU

720+

$0

700-719

$7,000

675-699

$30,100

620-674

$86,450

560-619

$143,640

500-559

$287,200

 

 

 

 

 

*Based on a 30 year $200K loan @ 5.6% interest

How your FICO (Credit) Score directly affects your Interest Rate:

FICO stands for Fair, Issac & Co. They're the folks who created the mathematical formula used to calculate what is commonly called the FICO score. This three-digit number, is a big, determinant in whether or not you get a mortgage or any other type of loan. FICO helps banks, credit card issuers, auto loan companies and other lenders decide if you're a good credit risk. It also makes a difference in the interest rate you're offered. Obviously, the higher your score, the more likely you'll be approved for a mortgage (and one with a low rate).

YOUR FICO SCORE

*INTEREST RATE

720-850

6.089%

700-719

6.214%

675-699

6.751%

620-674

7.901%

560-619

8.531%

500-559

9.289%

 

 

 

 

 

 

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(*based in August 2009)

Free Mortgage Calculator

Use this Mortgage Calculator to calculate Monthly Mortgage Payments based different interest rates

 

Common things that will affect your FICO score:

  • Delinquent payments
  • Opening too many accounts during a 12-month period
  • Closing old accounts in good standing (older accounts show longevity. They also show more available credit, which is generally considered positive in the eyes of the Credit Bureaus).
  • Carrying the maximum balance (or nearly so) on revolving credit cards
  • Tax liens, judgments and bankruptcies

Too many credit inquiries

FIX IT YOURSELF AND SAVE WITH CREDIT DOCTOR!

Credit-Aid Software™ stores your user information, generates letters and automates the process of cleaning up your credit. State-of-the-art animations and wizards guide you through: Ordering Free Credit Reports, Removing Errors and Negotiating with Creditors. Includes Organization and Planning Tools, Financial Calculators and useful Tips. Ease of use and powerful features make it the best Credit Repair software available.

Without a doubt, the very best Credit Repair Software on the market is Credit Doctor. It has won numerous awards and has quickly become the most popular way to automate the process of repairing bad credit and fix bad credit report.

Software programs do work for fixing bad credit. Bad credit report repair software is not a science, but it is a huge timesaver. You can certainly repair bad credit yourself without a credit program or credit software applications to examine and check your online history, but really bad credit will take many letters and tedious days and weeks to optomize, wheras a software program can automate the process considerably.You can have bad credit erased legally and quickly. Debt consolidation service is an option, but it still won't erase or reestablish a new file. Secured cards are an excellent way to reestablish credit, but you still must attack a low credit rating at the source.

Debt expirations do vary, as well as judgements status. If you have delinquencies and charge-offs that are effectng your credit-scoring, creditrepair is your best option. For bad credit help and expert bad credit advice we recommend reading our free booklet "Boost your FICO score in 7 easy steps." Bad credit repair can improve your way of life greatly enabling you to get the mortgage or refinance loan at the best possible low rate. A bad credit report simply means that you have a bit of work ahead after disputing items to the Credit Bureaus Equifax, Experian and Transunion.

A public interest group recently did a study that showed these staggering facts: 79% of all Credit Reports contain errors...and it's mostly errors that are the reason for a bad credit score.You do not have to fall victim to bad credit loans, you do not have to give in to accepting bad credit refinance or a bad credit mortgage. An improved report rating score will qualify you for loans and refinancing at much lower rates. Proper management with Bad credit software will save tremendous time and energy, rapidly boost fico ratings and boost fico scores.

The Credit Doctor program software will help you with your credit repair, and use every legal means to erase bad credit quickly, or your money back. Fast credit repair is what you will have after using our software to fix bad credit ratings and fix bad credit scores.

You can certainly fix credit and fix credit reports and improve bad credit on your own, but it helps to have a vast knowledge of the law. Our software has the added benefit of being co-written and approved by lawyers. Our knowledge of the law and the Fair Credit Reporting Act will help you to improve fico scores, check and improve a low credit score and raise fico scores. With our program and applications, you can easily remove bad credit while you repair bad credit ratings and fix your bad credit reports with the click of a mouse button.

On our Bad Credit Software Blog we give hundred of free tips, help, counseling and advice to repair bad credit scores, and repair low credit scores effortlessly and easily, because our program is fully compatible with all three major bureaus, Equifax, Experian and trans-union (aka trans union). Simply downlad your free Reports from annual credit report and you will have free reports. Once those free credit reports are in your hands and after purchasing our Bad Credit Repair Program program, you will be able to handle a bad credit removal operation for yourself (for free) what you would have to pay hundreds or thousands of dollars to companies like lexington law or creditnet. Download a free sample program today. What have you got to lose?

As they say on the Federal Trade Comission www.ftc.gov. A professional credit repair company (credit restoration management and restore service) cannot do anything for you that you cannot do for yourself for free or little cost. Repairing Credit is not brain surgury. It can be done, and the best credit repair Company...is yourself.