WARNING: 82% of Loan Officers Do Not Generate Enough Loans To Last More Than 2 Years in the Mortgage Business.

From: Ameen Kamadia
Wednesday, 9:43 a.m.

Day after day, you work your rear end off and still have trouble getting ahead.

You talk to people, you call people, you try marketing campaigns, you run ads, you buy leads, you got a website, you mail out letters, you try to talk to Realtors, you do whatever you can to "get your name out there", you spend money to make money…

And you patiently wait for the loans to come tumbling in. But they don't.

You have done everything you can think of but it's still not working!

What the heck is going on?

Could it be because of the market?
Could it be because of your company and loan programs?
Could it be because of your rates?
Or is it you?

It is not the market because other loan officers are doing great.
It is not your company because even if you switched companies you would not have any more leads.
It is not your rates because proper marketing makes rates a non-issue.

It is your lack of effective marketing.

But all is not lost. By learning how to market yourself properly you can overcome all these obstacles and more.

So how do you learn?

The best way is to learn is from someone who has already done what you want to do. And then do whatever he did.

But not too many top producing loan officers have the time or inclination to show you.

So you try to hire a coach. But you soon learn that the coaches worth their fees are few and far between. The only ones worth hiring are very, very expensive.

Generating business is a serious problem in our industry. And this is exactly what I want to talk to you about today.

My name is Ameen Kamadia. I am known in the biz as "The Millionaire Loan Officer." I have been personally responsible for the marketing that has originated several hundred million dollars worth of loans.

After making a bundle myself as a loan officer, I turned to focus on my true love -marketing. As I was helping the loan officers that worked for me, I realized that loan officers everywhere are in desperate need of marketing help. So I started teaching.

I teach what I know to loan officers across the country and I charge very high fees. My average is $500 per hour of consulting. I say this not to brag, but to prove that I know what I am talking about or else I wouldn't get paid the big bucks. And I still do loans part time. But only by referral. I will only work on the loans of one of my previous clients or someone they have referred to me.

Over 5,892 loan officers and mortgage brokers have bought my materials within the last two years, desiring to learn. My average consulting client increases their business 62% within the first six months of working with me.

On a regular basis, I get emails from loan officers who cannot afford me, yet plead with me to help them. They know that if given a chance to learn what I know that they too can be successful. Unfortunately my time is very limited and I cannot take on too many new coaching clients even if they could pay my full fees.

How my problem is a blessing for you.

I decided do something about this. So I put most of my best strategies, tips, marketing methods, and my basic coaching concepts together and am making them available at a price that will make them accessible to ALL loan officers whether they are new and struggling or have been in the business for years and are doing decent loan production.

It's like a super intensive mini-coaching program.

I know what it's like to be a struggling loan officer. I was in your shoes not too long ago. One year after graduating high school I had my mortgage license and my real estate license and was in the biz full time. College became a part-time thing. I needed money and I needed it NOW.

But it wasn't easy. I did all the basic stuff they teach you to do. I even paid $800 for a real estate "sweathogs" course that taught me my problem was I didn't spend enough time cold calling. So I did. I was on the phone calling people for at least 2 hours a day.

That was the worst thing I have ever done. I still feel nauseous when I think about it. But when you have to put food on the table, you do whatever is necessary.

Fast forward to today (8 years later): Thank God, I learned how to market myself. I no longer advertise for loans. I have cut down my hours significantly. I only do loans of previous clients and referrals from those clients.

Instead, I spend my time helping loan officers who want to know how to achieve total success in this wonderful business.

I would like to help you too. And to do so I have created a program that will FORCE you to be successful.

I call it my Jump Start Your Mortgage Career E-Class.

It's an online class that teaches you all the basic concepts you need to know to start getting leads and loans today!

Became Number 1 of out 45 Loan Officers in His Office! "Things are going great for me ever since I started your course. I went from being at the bottom part of echelon of my company to being tied for the first place in sales for the month of October. Can you believe that? I only have 1 1/2 years of mortgage experience, and I am competing with people that have 20 years of mortgage experience. Your course is giving me an edge. The next month I will be the number one loan officer in here. Bank VI currently has 45 loan officers, so I think its important to let you know that my competition is very good, but your course is giving me new ideas and sales methods that achieve results." Berin Lacevic An Appointment From Just The First Lesson! "Just as a fyi, after doing the first lesson, my determination, desire and direction was much better. I sat down and wrote an email to about 25-30 of my former co-workers introducing what I am now doing and offering my services, and guess what??????? I have an appointment TONIGHT with one who needs assistance and information, they want refinance or take out a HELOC. WOW .. thank you very very much !! I am really looking forward to starting the next lesson...until then." Sharon Nettleton "I Regret I Did Not Find You A Year Ago!" When I signed up for this course I had been a independent loan officer for a year. I was looking for ideas, marketing tools, help in general. I am very pleased with this course it was worth every penny. I have learned to think out side the box, I am able to find niches and work them, I know how to market on a budget and to create a marketing calendar and take advantage of my time. I would recommend this course to any one who is just coming to this business, my only regret is that I have not found this took a year ago. I have also bought the marketing tool for realtors, it is great. Maggie Mirski Lesson 13 Made A Huge Difference! "I had a serious confidence problem - I cringed every time my phone rang because I was afraid I wouldn't know what to say if I ran into any resistance. This lesson really made me think through it and gave me some great ideas so that I can prepare ahead of time and be confident every time that phone rings." Pattie Atkins

The class is jam packed with hard hitting info that up till now I have only shared with my personal coaching clients. There is so much material that I had to divide it up into 22 separate lessons.

It took over 2 years to organize this course.

I can honestly say, there is nothing available even remotely similar to this course.

It's mortgage specific, meaning I apply every concept to the mortgage business and I show you how to apply the info directly into your business.

Everything in every lesson will relate 100% to your business. And is directly applicable.

Here is a taste of some of the things you will learn in the course:

• A way to double your closings without any extra leads
• How to set up your business so that if you took a one month vacation you would still have a thriving business when you got back
• 7 ways to get Realtors to give you ALL their business.
• The 7 Steps I use when some one tells me to lower my fees.
• How to get all the FREE advertising you want.
• How "the halo effect" can get you loads of qualified prospects seeking you out.
• The one technique that brings in more referrals than all others combined
• How to generate customers with zero acquisition cost
• How NOT to get business from Realtors. (Why most loan officers waste their time and money and never get any business from Realtors.)
• 69 ways to market to borrowers that work
• Don't just master your business career, but learn to master the 5 other areas of your life for true peace of mind.
• Over 36 marketing ideas that cost less than $100 each to implement and work like gangbusters!
• When to flaunt your personality in your business and when not to - Do this properly and customers will flock to you. Do it wrong, and you will offend them
• How "souvenirs" can make you hundreds of thousands in commissions.
• Why, according to Sales And Marketing magazine, 80% of all people who inquire about a product buy within 1 year - but not from the company that made the original contact, and how to make sure this never happens to you.
• Why you should never market to "anyone who wants a mortgage."
• The #1 most important business secret in the mortgage biz. Ignore this and you are condemning yourself to a life of gut wrenching prospecting forever.
• How something your parents gave you when you were little can make or break your career, and how you can fix it within 5 minutes.
• Why answering your own phone costs you money.
  
• A phone answering script that makes you more desirable to prospects.
  
• How you can become a member of the exclusive "5 o'clock Club" and get more done in a day, than most do in a week.
  
• Identify and target prospects in your backyard that would love to do business with you if you only asked.
  
• 32 niche markets that desperately need your help.
  
• The one sentence that can bring you more business than anything else you can do.
  
• The question I ask to all new coaching members that no one has an answer to.
  
• What to look for when analyzing your customers to find signs of untapped markets that you can dominate.
  
• How to get people to voluntarily ask you to tell them more about your services.
  
• Learn the mortgage marketing vocabulary you have never heard before but is essential to your success.
  
• How to never have to reduce your fees again!
  
• 6 tips that borrowers already know. And you must also if you want to do their loan.
  
• How to differentiate yourself from every loan officer and mortgage company in your market.
  
• How acting like a child can help you in your business.
  
• This is just a small sampling!

The course has been designed to take 12 weeks. 2 lessons a week.

And to guarantee that everyone who takes this course will succeed I added homework and reading assignments that MUST be completed.

Each lesson has its own assignment that you must complete and turn into your instructor. The instructor will grade it and make comments. If your work was satisfactory, then and only then will you be allowed to proceed to the next lesson.

No work = No More Lessons for you.

I am not joking. I have found that the #1 element in my coaching clients that limits their success is lack of follow through with what they learn.

Just reading something is not good enough. You have to use it in your business to make money. And that is what you are forced to do.

Will this mean less people will take the course? It sure will. And that is great. I only want to help you if you are serious about your career and willing to help yourself.

More Comments From Students:

Here are 13 Features of this course that make it unique.

Unique Feature #1: You get a Personal instructor.

• You will never be alone
  
• All your questions will be answered by a live person trained personally by me and with plenty of experience in the mortgage industry.
  
• There will be no confusion about any topic - have a question? Ask!
  
• We will hold your hand through the entire process
  
• The course is like a coaching program without the high cost

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Unique Feature #2: You are forced to do homework.

This means that:

• Your success is guaranteed
  
• You receive bi-weekly feedback on your progress
  
• There is no slacking off
  
• Even if nothing has ever worked for you before, this course will because you will be doing what needs to be done.

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Unique Feature #3: Work at your own pace

This means that:

• You can learn where you are comfortable - home, office, bathroom, etc.
  
• Take up to 6 months to complete the course
  
• There are no deadlines which means no pressure
  
• You can go as slow or as fast as you want

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Unique Feature #4: The course is mortgage specific.

That means that:

• Everything taught in the course can be applied by you
  
• We use examples of what works in the mortgage industry
  
• We give examples of what other loan officers are doing right now

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  Unique Feature #5: There are 22 lessons

That means that:

• The most essential business building topics are covered
  
• There is enough content to keep you busy for years
  
• Master these lessons and it becomes impossible to fail.

  ---

  
  Unique Feature #6: The course is very cheap

That means that:

• You get all this priceless info at a pittance
  
• The instructor is basically working for free
  
• It would take you years and at least $50,000 to gather this info on your own

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  Unique Feature #7: You can start immediately

This means that:

• You can start learning and getting loans today
  
• There is no driving, no traffic, no being tardy or other hassles
  
• The sooner you start the sooner you can apply these concepts to your business
  
• You work on your own schedule. Sign on and complete the lessons and assignments when you want to.

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Unique Feature #8: The course contains low cost strategies to implement

This means that:

• All these strategies are being used in the field right now
  
• You can implement everything learned on a limited budget
  
• The course is designed for the individual loan officer with limited means<

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  Unique Feature #9: This is a complete business building course

This means that:

• You will learn not only how to get loans right now but how to keep them rolling in automatically
  
• The focus is on building systems that will bring in the leads for you
  
• You will build yourself as a business

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Unique Feature #10: The course works for new comers and veterans

This means that:

• The strategies are timeless
  
• Less than 5% of all loan officers know what you will learn
  
• You need no prior mortgage experience to take advantage of this material

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  Unique Feature #11: The course is designed by Ameen Kamadia

This means that:

• You will learn the strategies used to originate several hundred million dollars of loans by Ameen and his coaching clients
  
• Learn from the Millionaire Loan Officer himself
  
• You essentially get 12 weeks of coaching for close to what he charges for 2 hours of one on one coaching.

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Unique Feature #12: The course works for loan officers, mortgage brokers and bankers

This means that:

• This course is more intense than any company sponsored training program
  
• If you are responsible for generating your own loans, this course is for you<

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Unique Feature #13: You will use the strategies to get loans during the course

This means that:

• The loans generated by homework assignments will more than pay for the course
  
• You get hands on- work in the field training
  
• You also get immediate feedback that these tips work

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If you are still not convinced, here is another long list of things you will learn:

• The Secret to Everlasting Success in the Mortgage Business
  
• A simple letter that you can mail and start getting leads in 3-4 days.
  
• The six questions that borrowers want to know, that you must answer in your marketing.
  
• A simple tool that will keep you and your business accountable and on the right track.
  
• How to turn an unhappy client into your best referral source.
  
• The 4 C's of selling and how they can fill up your pipeline in no time.
  
• A six step formula to kick procrastination in the rear
  
• Make sure you don't screw up the most important aspect of any direct mail campaign, or else you will just be wasting your money.
  
• The simple technique that can keep you motivated enough to keep on chugging when times are tough.
  
• Learn the famous "Carnegie Secret" that made him the wealthiest man of his time and how you can use it to achieve all you dream about.
  
• The most important asset of your business; and it's not you, your company, your advertising, your image, or anything related to you.
  
• Why most high priced CEO's only spend 50 minutes a day effectively and how to make sure this doesn't happen to you.
  
• Why each of my borrowers is worth $10,000 to me in real money and yours can be too.
  
• How to create a home office that keeps you motivated, enthusiastic, and focused.
  
• Tony Robbins's secret to becoming a billionaire.
  
• The marketing tool that eliminates the ups and downs of loan officer production from month to month.
  
• How to pick yourself back up quickly when you fail at something.
  
  
• Discover what real estate agents want from their lender. And how to give it to them.
  
• 10 ways to be seen as the "mortgage expert" in your community.
  
• How your office could be causing you to self-destruct.
  
• How to transform your dreams into reality.
  
• The top marketing secret strategy of top loan officers. Once you learn this leads will flow in to you on a regular basis.
  
• Where to find prospects that act like you, think like you, and would like to do business with someone just like you.
  
• The top 4 borrower tactics to get you to lower your fees, and the ways to counter them.
  
• The marketing method that grabs prospects and makes sure they read your entire advertisement even if they are not interested in getting a mortgage!
  
• When to use a Loan Application Fee and when not to. And it's not for the money!
  
• What McDonald's does that you need to copy if you want to have any semblance of a normal life.
  
• 2 direct marketing strategies that can boost response to all your advertisements by over 1,000%. Use them both together for even greater results!
  
• The simple method I use to make sure I make the right decision when faced with difficult choices.
  
• Why hanging out with other loan officers can be detrimental to your financial future.
  
• How to stop losing loans because the borrowers do not get approved by the lender.
  
• The Top 5 reasons people fail.
  
• 3 questions you must answer, that will identify dozens of ways you can provide better service to your clients.
  
• How to stop losing loans to other companies or loan officers.
  
• How to design a system to WOW prospects before they meet you.
  
• How to dominate a market by creating it yourself.
  
• The secret ingredient that when added to your marketing can increase response by over 1,000%.
  
• A simple method to make sure you get everything done on time.
  
• 5 ways to present your rates and fees to borrowers so they do not complain.
  
• And a ton more!

  More Comments From Students:

  "I Give This Process Top Ratings" "I admit that this program has made me think hard about some issues and look for specific steps for doing things better. It has been very helpful. I give this process top ratings so far." Bob Scherner "EXCELLENT" "This is EXCELLENT information for any professional in any line of business to use to improve on what they may already have going." Keith Fischer

By now, you are probably wondering what this amazing, life-altering course will cost you. Fair enough.

I personally charge $500 and up per hour of coaching. If I tried to teach you all this material myself it would take at least 2 hours per lesson. So that's 22 lessons times 2 hours = 44 hours. Multiply that by $500 an hour and you would have to pay me $22,000.

And many people have.

If we turned this course into a seminar, it would take 5-6 days to cover all the material. And I would not have trouble filling the seats charging $5,000 or more.

But forget what I could charge. What's this course worth to you? Could you use 3-4 more loans a month? Follow what I teach in the course and that's child's play.

I wouldn't be surprised if you close 3-4 loans by the time you finish the course just from the material we teach in the first 3-4 lessons.

Even if you learn just one measly thing that results in one small loan a month, that would mean an extra $24,000 in your pocket year after year!

It took me over 2 years to create this course. That's a lot of time and effort. Not to mention all the studying, research, and testing that I put into it.

Whenever I would come up with a new idea, I would present it to my coaching clients. They would test it, and if it worked, I put it in this course. In other words, my coaching clients paid me to be the guinea pigs to test ideas so I could give them to you!

When I told a handful of them what I was doing, I asked them how much they would pay for a course like this. The answers surprised even me…

"$3,500"

$9,500"

"$1,999"

"$19,999" (wow!)

And the lowest was "$999".

These are results from people who are already doing well in the biz and have been taught most of this stuff already.

But since the whole idea was to help out loan officers who aren't doing well enough, I decided to price it way below market value.

I am charging only $597 for the entire 12 week, 22 Lesson course complete with a personal instructor.

Nowhere else can you get a bargain like this. Your first loan will pay for the course several times. If you do not get at least one loan from everything I will teach you, we both should be locked up in a mental asylum!

Now some of you might be skeptical. So I will sweeten the deal even further for those of you who are serious. This course is not for lookie-lous or people who just say they want to improve their business.

It's not like a course where you sign on whenever you feel like it, do the assignments if you feel like it and decide to cancel after 1-2 months so you can get your money back. I only want serious people enrolled.

If you are serious, and you agree to spend the time, then I will give you a no risk free trial to test drive the course.

Enroll now, and you can drop out anytime within the first 2 weeks or the first four lessons, whichever comes first. That gives you 4 lessons and assignments to get a feel for what the course will be like and to see if you can handle the time commitment.

But there is one small problem.

Since there will be an instructor, we have to limit class size. There can only be a certain number of people taking the class at the same time otherwise the instructor will be overburdened and service will suffer.

So if you want to enroll, the best time to do so is right now.

If you try to enroll and the class is full, you will not be charged, but you will be given a chance to place yourself on the waiting list. It's first come first served.

I hope you take your success into your own hands. No one else can do it for you. The tool to get what you deserve is waiting for you. But you have to want it enough to act!

That's about it for me. The next move is up to you. I've shown you that The Jump Start Your Mortgage Career E-Class is as risk-free as an offer can get. You and I both know that if you've read this far in the letter, you're seriously interested in fattening your bank account and changing your life. All that's left to do now is take action. (Your investment may be tax-deductible. Consult your tax advisor.)

May All The Loans Be Yours!
Ameen Kamadia
The Millionaire Loan Officer

P.S. 22 full lessons that will turn you into a mortgage marketing genius, complete with a full time instructor providing valuable feedback, a risk free trial offer, and an amazingly cheap price! You have nothing to lose! Enroll now!

The Mortgage Broker and Loan Officer Coaching Program

Get your own mortgage coach.

The Mortgage Broker Training Mortgage Coach Program is for those Loan Officers ready to take their business to the next level.

The Mortgage Coach Program allows you to have a mortgage coach walk with you step by step through the pitfalls and challenges you face everyday.

Your mortgage coach will become the key source for new information in regards to marketing, customer, service, and client retention.

Your mortgage coach will also be holding you accountable to your defined goals and provide tools and suggestions on how you can achieve what you desire.

Coaching = Results

Executive coaching delivers an ROI of nearly six times the initial cost of coaching, according to a study to determine its impact. Seventy percent of the executives surveyed valued the ROI on coaching at $100,000 or more, and almost 30 percent valued the ROI on coaching between $500,000 and $1 million. -- Survey of 100 senior executives conducted by Right Management Consultants

Coaching is not for everyone. It is only for the serious.

If you think having a personal, one-on-one relationship with a professional mortgage coach/consultant is something you would be interested in, please fill out the Coaching Application below.

Mortgage Web Site Design &

Mortgage Broker Web Sites

Are you looking for a great mortgage web site design? Or do you want to create your own mortgage broker web site from scratch? We have done both. And I can tell you from experience, that having a mortgage web site created for you is much easier. But not always more effective.

There are dozens of companies that offer mortgage web sites. Some are very expensive, and some are very cheap. If you buy your own mortgage web site template, you could pay as little as $30. But all you get is a one page site with no features.

If you can afford it, you can pay several thousand dollars to have someone do some mortgage web site design for your site. Or to have someone to build mortgage web site for you. But then you have to pay every time you want something changed. Unless you know a lot of html. (The programming language most mortgage broker web sites are written in.)

The best, easiest, and most time effective way is to contract with one of the companies that provide turn key mortgage web sites. But even then, you have to be careful.

Our mortgage company, MoneyTree Mortgage signed with the largest company in the industry providing these mortgage broker web sites. And we were very disappointed. When we tried to add a simple link to the homepage, they charged us $60! Adding a link takes less than 1 minute. We were stuck with their ugly graphics, and would have to pay several hundred dollars to change anything.

But still, we were able to generate some traffic there, and do take loan apps from the site. So at least, it has paid for itself.

Beware: 99% of mortgage web site companies do not help you get people to your mortgage web site. All they do is design and host the site on their computers. It is then your job to get people there.

We thought we would try some Search Engine Optimization for our site to have it appear on the search engines. Guess what? We were not allowed. Unless of course we paid them over a thousand dollars more.

That's when I decided to create my own site again. I was tired of having my hands tied behind my back when I wanted to make changes to my own mortgage web site, even after I paid a couple thousand dollars. So I put together a list of all the things I would want in my dream mortgage web site. This is what I came up with.

I should be able to:

• afford it easily. It should pay for itself in less than one loan
• add pages to my site and it should be very easy to do so. I don't want to become an expert in html
• have several email addresses
• have my own domain name: www.mymortgagecompany.com
• have visitors fill out pre-quals, and complete 1003s on the site. And have that information safe from thieves and hackers.
• take that info and import it into my loan processing software easily.
• be notified by email when someone fills out a loan app online.
• be able to generate leads, by offering free information in the form of several different reports or email classes
• be able to follow up with visitors via unlimited time-delayed emails. This will automate the follow up process for me.
• have the system automatically email all the parties involved in a loan (listing agent, selling agent, borrower, seller, builder, etc.) when the loan file is updated. This will stop agents and others calling me for loan updates. This will also show my professionalism and result in more referrals.
• automatically email prospects when the interest rate they are looking for is hit. (Rate Alert)
• make changes to the site for search engine optimization
• change the design of my site in seconds. - Have dozens of mortgage web site templates to choose from
• have surveys and questionnaires
• have an email newsletter
• have pop-ups
• input all my rates and have them update automatically
• have several mortgage calculators that I can use for other applications as well
• send personalized email blasts to my lists
• provide pages on my site to my referral partners
• have a link exchange to generate links to my site
• allow me to sell other's products as an affiliate if I choose
• have scrolling text that will float across the screen
• be available to visitors 24/7 without fail
• have free phone support if I ever have a question
• be affordable
• track my visitors and give complete stats on where my visitors are coming from, what they do on my site, for how long, and a host of others.

This was just the first list I came up. Later I added even more features that I had to have on my website.

Then I went looking for a mortgage web site design company that provided all these features. Guess what? No one does.

Not one mortgage web site design company out there today offers all these features, which I believe are crucial to having the most effective, automatic mortgage web site.

Face it - what good is a mortgage web site if you have to fiddle with it all the time? I want my site to be hands-off. I don't want to touch it unless I am looking at my leads or doing some marketing.

My ideal mortgage broker web site should be totally automated. It should be generating leads, following up with those leads, and converting them to applications, that it takes itself while I am off on vacation in the Bahamas.

And so I set out to find a mortgage web site design company that can design a website with all these features and more. The first company I approached, had many of these features. They were excited about working with MortgageBrokerTraining.com and they said they could provide our customers will everything we needed.

But they couldn't. For whatever reason they felt adding all these features would be too expensive for them and they bailed out. They would rather sell a product that limits what you can do then do what is necessary to sell a quality mortgage web site.

Luckily I was approached by another company, that wanted to work together. I showed them all the features I wanted, and they set to work right away. In time, I believe we will make available to most comprehensive mortgage broker web site available in the market today.

If you wish to be notified as soon as these websites are available, please subscribe to our announcement list below. You will be alerted before anyone else, and that usually means you will get a great introductory offer that will not be made to the general public. Sign up Now.

			Are you sick of the way people treat you because you have bad credit? Are you tired of them not treating you fairly, and taking advantage of you? Do you know that Credit Discrimination affects over 80% of the US population? Imagine what your life would be like if you had perfect A1 credit? You’d probably be driving a brand new car and taking advantage of the low interest rates being offered- thereby saving you thousands in interest. But only if you have great credit. You’d probably be living in your own house, and paying less money per month than the rent you are paying now, for a smaller sized apartment. This is especially since mortgage rates are still very low. You would also be getting a tax deduction on the payment. But only if you have great credit. You’d probably be thinking about ditching your job and starting your own business- especially since bank financing is easier to get right now. But only if you have great credit. But instead of getting whatever you want, you get discriminated against everyday. Does this sound like your life? - You can’t open a checking account You have to buy money orders to pay bills, and you get hassled and pay extra just to cash your own paycheck. - You can’t get credit cards You have to carry cash everywhere – which is very dangerous. You can’t take advantage of the float (if you don’t know what float is keep reading) - You pay more interest on your mortgage – IF you can even get one. People with bad credit, IF they can get a loan, pay a lot more in interest than someone with good credit. For example, on a $100,000 loan over 30 years, a person with bad credit will pay $100,000 more in interest than a person with good credit. A lot of people with bad credit can’t even get an apartment. - It’s much harder for you to become wealthy because no one will give you a business or personal loan. - You pay more for car insurance. Insurance companies now charge more to people with lower credit scores even if they have never been in an accident. If you are sick and tired of being discriminated against, it’s time to stand up and do something about it. The good news is, there is a way you can stop these bullies from pushing you around and ripping you off, and that is by improving your credit.   Ameen, I am writing you this letter to tell you how much I enjoyed reading "How To Make Your Credit Sparkle." I would like to tell you two ways I have put your book to work for me, and how I am influencing others to clean up their credit via your book! At first I bought the book for my own benefit. I am new to the "mortgage world" and have learned so much about so many different aspects of this business, including credit, especially how bad my credit is. After reading through your book it was obvious to me that I really needed to let my clients know about this wonderful book! I can't tell you how many I have turned on to this book. Not only have we (my wife and I) started the process of cleaning up our credit, but clients and potential clients as well. At first I thought, "I'm going to give this book to everyone I know, and some I don't know." Good plan, but doesn't help you out much. I go over some bullet points with clients to peak their interest, and then tell them that I am more than willing to do some of the "leg work" for them, to assist in the "clean up" process. By the way, that is a huge trust builder! This is the part you should like the most; I have been giving clients a few choice pages and some juicy excerpts from the book to get them excited about cleaning up their credit, and then referring them to your website so they can purchase the book themselves. I have also done the same with clients whom have already done business with me. It is a must when dealing with sub prime clients. I have sent past clients excerpts from the book via US Mail, along with my business card to peak their interest, and always let them know how to get the book on their own via your website. I have a special place in my heart for the sub prime clients, because I was one. Notice I said WAS! Thanks to your book, I am well on my way to becoming 100% "A" Paper. Thanks Ameen! Justin Wilks Spokane Washington.   “It should be a crime to have bad credit, when it’s so easy to fix!” Credit repair is a simple process if you know what you are doing, and you can do it yourself. In fact, no one can do as good a job in repairing your own credit as you can. Best of all… Fixing your credit can be done for free. And you can get the best book on the market, detailing exactly how to do it, absolutely FREE. Whether you have good credit, bad credit, or no credit, your credit can be improved. There are tricks and techniques you can use that can dramatically increase your credit score, increase your credit limits, and get you all the credit you want in the amount of time it takes you to say "Charge It!". No matter what’s wrong with your credit it can be fixed, whether it’s your fault or not. That's right. Even negative info that is true can be removed from your credit report. But you have to know how to do it and we can show you how to… Get the credit you deserve. Help is now here. Credit Bureau Secrets: What The Bureaus Don't Want You To Know About Fixing Your Credit has been written with you in mind. In order to write this book, we interviewed 144 people to find out exactly what people want to know. We took all their input and created the most comprehensive book on credit ever written. Every one of these 144 people had their own credit horror story. We sat down with each of them, and asked them in detail what happened to them and how it happened. We then helped each of them improve their credit based on the techniques featured in this book. The things they wanted to know, the things they needed to know, and the methods they used to fix their credit are in this book We heard stories of foreclosure, divorce, loss of job, husbands running away, husbands dying, serious illness, identity theft, houses getting robbed, businesses failing, and even one person who was a total deadbeat. All of these people benefited from this material. "I was amazed at how easy it was to get my credit back in shape. Your course changed my life!" — Cynthia Farooq  Dallas Tx What makes this book even more extraordinary is the fact that the book is written by an industry insider. Ameen Kamadia has helped counsel over a thousand people improve their credit. He has worked for years as a manager of a credit bureau, as a Realtor, and a Mortgage Broker. He has personally told hundreds of people exactly what to do to improve their credit and financial condition. He puts his years of experience and “in the trench” knowledge together for you in this exciting book. He is not just someone who calls himself a credit expert because he got a collection deleted from his own credit report. He has done that a thousand times. What makes him different is that he has been to the meetings put on by the Big 3 Credit Bureaus. He has gotten all their internal documentation because he was “one of them.” He knows what the bureaus know. He uses this knowledge as well as his own personal stories, client case histories, the latest laws to protect consumers, and input from the 144 people we interviewed to cover every possible aspect of credit and credit repair. "Just wanted to let you know that by using your book I raised my credit score 85 points! And I just got approved for a mortgage for my first house, and after we close I am going to buy me a new car. But I will do it after the closing-just like you taught us. Thank you so so much." — Maria Nunez  Houston Tx Just check out what he reveals is this eye-opening book. • Why you should never give the credit card company your mother’s maiden name even if they ask for it. Pg66 • 6 foolproof ways to increase your credit score. Pg19 • 5 ways to get credit in a couple of weeks regardless of past credit history. Pg69 • The entire process of how your credit reports were created. Pg 6 • How your credit score determines if you will get a mortgage. Pg18 • The steps to take to protect your credit BEFORE you get divorced. Pg95 • How the bureaus get your information. Pg7 • The ONLY reason you should ever declare bankruptcy. Pg102 • How long information, good or bad, stays on your report. Pg10 • How to get medical bill collections off your report for good. Pg34 • How to keep from getting called by a telemarketer or bill collector EVER AGAIN. Pg66 • How and why collections show up more than once on your report and how you can eliminate them. Pg12 • Why working with a credit repair company can do more harm for you than good. Pg37 • How you can truthfully and legally claim that you make a lot more income than you really do and thereby double your credit limits. Pg65 • How your credit score is determined. P14 • The #1 fastest and easiest way to get credit if you have none at all. Pg70 • The 34 credit score factors and their meanings. This top secret information has never been revealed before to the public. Pg16 • Why all 3 bureaus have different scores for you and how to take advantage of this. Pg20 • The top reasons why there are errors on your report, and how to fix or avoid them. Pg31 • How your Residential Mortgage Credit report is different from your regular report Pg93 • Find out who is looking at your credit report without your permission. Pg22 • The “back door” method to remove derogatory info off your report. Pg 44 • How to keep your reports from getting checked by anyone without your permission. Pg24 • The top methods credit repair companies and attorneys use and how you can do the same. Pg53 • How to lower your current payments on your debt by 50%. Pg 82 • How inquires affect your credit and why not all inquires are treated the same. Pg26 • How to avoid foreclosure. Pg106 • How to qualify to get a free credit report. Pg28 • Why putting a consumer statement on your credit report is a waste of time. Pg46 • What to do once your identity has been stolen. Pg118 • Why you should NEVER consolidate your student loans with your spouse’s. Pg108 • The 9 Credit Rights you have by law and how to enforce them. Pg27 • How to determine which credit card to apply for and what the hidden fees are. Pg78 • How cash advances from your credit cards keep you in the poor house. Pg85 • The five personal factors banks look at in deciding to give you credit and how to improve your chances. Pg64 • How many credit cards to have and why. Pg86 • The two types of consumer bankruptcy, how they work, and how they wreak havoc on your credit. Pg97 • How to get your student loan debt CANCELLED by the government. Pg109 • The top methods thieves use to steal your ID and get credit in your name. Pg113 • How to legally get a new Social Security Number. Pg121 • The 6 best ways to keep your credit clean. Pg35 • How to use your creativity to get derogatory information off your report. Pg40 • How to bribe your creditors to clean your credit for you. Pg48 • How to know when creditors are discriminating against you and what you can do about it, especially if you are a woman. Pg57 • When a bank won’t give you a credit card, how to get it from their legal department. Pg61 And So Much More! With 14 chapters, 246 pages, and a great appendix section, this book has it all. "I was facing foreclosure and thought the only way to save my house was to declare bankruptcy. At least that is what the lawyer told me before taking his $600 fee. 3 months later I still lost the house. After reading your material I see what I could have done to save my house and my credit. Wish I had come across your book sooner. But then, I probably would've thought everything will work out on its own. But now I know exactly how important your book is and I recommend it to all my friends." — Allen Billings   Seattle WA "I tried credit counseling to help with the bills. What a HUGE mistake. Not only did they make credit worse, but they did nothin I could've done myself. But with your help I was able to get the collection companies off my back until I was ready to pay them back. Thanks Ameen!" — Jeff Wilson   Kansas City Mo Learn the insider secrets never before revealed. “Is it better to have a high credit score or a low one?” You will learn all about credit scoring. How to get your score, learn if it is good or bad, how to improve it, and why your score is the way it is. Credit scoring has been kept as secret as possible by the credit bureaus. They don’t want people to even know what their own scores are. But you don’t have to be in the dark anymore. Ameen reveals the 34 Score factors and their meaning. These factors explain exactly what about your credit is hurting you the most. This information has never been revealed to the public before. The credit bureaus make sure that information such as this does not “get out”. “Your rights are being trampled on: do you know how to stop the abuse?” Learn about the laws that were created to keep your credit safe. Several laws have been passed to protect your credit rights. These laws are reviewed in detail. Your credit rights are explained one by one in simple English. Don’t get mislead by bill collectors and lenders again. Once you know your rights, lenders and bill collectors cannot take advantage of you anymore. “Even if you have good credit you are being discriminated against right now and you don’t even know it!” You will learn why 70% of all credit reports contain errors and how to keep yours error free. Yours could have errors on it right now that are costing you money. Learn how to not only fix these errors but improve your credit to the point where you’ll be turning away lenders offering you thousands in credits. “I know high school students that can steal thousands of dollars from you, you can’t stop them, and it can ruin your life for years to come.” You will learn why identity theft is the crime of the computer generation, how you can protect yourself and how to recover if it has already happened to you. You would not believe how easy it is to get your personal information. Once a crook has your info they can open credit in your name and cause serious damage to your credit. And you wouldn’t even know about it. This book will show you how to avoid becoming a victim and safeguarding yourself and your family finances from crooks. “How to make banks line up and beg you to take their loans.” You will learn how much credit is too much? Having too much credit could actually hurt your credit. This book shows you how much and how many accounts you should have and how to use theses accounts to have the highest credit score possible. “Never get bothered by a telemarketer or bill collector again!” You will learn the secrets of filling out a credit application. What you should and should not tell them. There is more to it, than just filling in the blanks. This book will show you exactly what info you should give and what you shouldn’t give to get all the credit you want and protect your privacy at the same time. Including how to never get called by a telemarketer or bill collector ever again. Believe us – nowhere else can you get such “tell it like it is” advice. “Take the house! With my credit intact I can buy a better one.” You will learn how to handle your credit if you get a divorce and how to recover if you already are divorced. Did you know that divorce is the #2 cause of financial and credit ruin? Don’t let it ruin you. Sadly, 60% of all couples get divorced in today’s society. Learn what you need to do before and after filing the papers to keep both spouses’ credit sparkling clean. An entire section details the steps you need to take to make sure your credit doesn’t get injured in divorce. We are committed to your financial success. And as a thank you for trusting us, we are throwing in 2 Free Bonuses Free Bonus #1 When you order, we will also throw in 2 months of Ameen’s award winning newsletter, The Fortune Maker. A one year subscription to this newsletter costs $97. We are giving you two months free with your book order The main purpose of this newsletter is to help people like you, fix their credit, get out of debt, become financially independent and retire early (within 5 years). Ameen shares what he is doing right now to grow his fortune and his many businesses and explains how you can do the same. Free Bonus #2 You also get one month of free email consultation with Ameen himself. One year of this consulting costs $297. You get one month free with your book order. Ask him all the questions you want and get answers from the expert. The book and two free bonuses should costs at least $100, but we are offering it to you for the rock bottom price of only $37. Not only is this well below what it's worth, but your purchase also comes with a FULL 90 DAY GUARANTEE. If for any reason you are ever unhappy with the book just return it for a full refund. That’s right, if you ever want your money back just return it. Honestly, credit repair does not happen overnight, or even within 30 or 60 days. We would rather give you a lifetime guarantee because we are so sure that the rewards you will get from this book will be worth 1000 times what you pay for it. But our credit card processor only allows a maximum of 90 days. Use our book as long as you need it. If you think that it wasn’t worth the purchase price, no problem. It can’t get any better than that! Actually it does. Here’s how to get a FREE copy of Credit Bureau Secrets…  If you subscribe to one year of consulting at $297, or just 81 cents a day, you will get unlimited questions answered and personal attention.  As well as a free copy of Credit Bureau Secrets. This is the best deal we can give you. Ameen’s normal hourly counseling fee is $150. To have all your questions answered at this low price is a steal. But Ameen cannot consult with everyone, so we have limited to number of people that can take advantage of the one year consulting. Ameen does this himself personally, and he has lots of other things to do so we hope you understand. These spots are available on a first come first served basis. Having great credit is the first step to financial freedom. You have nothing to lose by ordering today. So order now and help yourself and your family live the lives they deserve. Message from the Author: If you are serious about living the good life, you need to get this book. I know the importance of good credit. When I started my first company I had nothing but my good credit. I used it to start a business and borrow to buy the inventory. Then I used it to borrow more money to start other companies. I recently bought and moved into a brand new house, furnished the whole house with brand new furniture, and bought a brand new car for my father without spending a dime of my own money. I use my money to make a much better return on investment. I could never have reached most of my financial goals by the age of 26 if I did not have good credit.   Spend the time to fix your credit, and use the ideas I give you in the newsletter to make your life the way you want it to be. You have nothing to lose, but the longer you wait, the harder it will be to start, and the less time you will have to enjoy the good life when you get there. Let me hold your hand the whole way, order now. - Ameen Kamadia

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