Your program sounds like the answer to a lot of peoples problems.

Education about how to handle money is what should be taught in school when we are very young.

I would love to be able to afford your course.

My situation is so bleak right now I could’nt come up with the price of your program if my life depended on it.

Maybe when we get some of our debt paid off I’ll be able to take advantage of your offer.

Just so you know, credit cards are not an option with me any more. I refuse to use my cards until I can pay off the balance each month and that will be sometime long into the future due to the size of the balance on the cards today.

I’ve put to many things on my cards that promised to teach me how to do what your course says it will do and now I’m paying a very high price.

I just want to close by saying if I did have the resources to purchase your program I would already have ordered. Your guarantee is one of the best I’ve every seen online in a long time.

Have a great day.

For more productive strategies to help you, check out http://www.YourProsperityPower.com/video and see what you can do with a few small changes in your financial strategies.

Thanks for spreading the word, and have an awesome day!

I don’t know your overall credit situation, so it’s hard to say how well the script will work for you. If you have 3 credit cards with at least 6-12 months of good payment history on them, the script should work for you. Since you have a 9.9% card you likely have a decent credit score already so go for it and see what happens!

By the way, if you don’t know how to remove inquiries off your credit report you only want to use this script once every 12 months. If you know how to remove inquiries, then you can use it every 6 months.

You are correct in saying that the closer your cards are to being maxed out the bigger credit risk the banks see you as being. That being said, as you’ve made all your payments on time I recommend calling your 3 business card banks first with the script and looking at applying for a couple more business credit cards before calling your personal credit card companies to raise your limits. *An insider tip: call all 3 banks and do 2-3 new applications for business cards on the same day. This way you won’t get a denial due to “too many recent inquiries.” This is what we do for clients with our CreditBlast service.*

Second, as you’re a fellow business owner I recommend you focus your resources on growing your business and doing more effective/creative marketing. Check out http://www.DanKennedy.com and get his books ‘The Ultimate Sales Letter’ and ‘The Ultimate Marketing Plan’ for effective ideas to turn your business around.

I also recommend you look into getting Dan’s FREE 2 month Test Drive of his Marketing Gold newsletter (get it in the upper right corner of the page at http://tinyurl.com/d2pg8c). Apply those principles and you can get your business back to growth and profitability fast.

I trust these insights prove helpful to you, Don. Use them and make ‘em work for you, and let me know how it goes.

First, I commend you for building a web business with your disability. Many able-bodied people complain about what they CAN’T do, which really only means they don’t know how to do or they don’t want to do. So great job taking action!

I don’t believe in an either/or world. I believe in an AND world. So by all means look to raise your credit limits AND look to get a loan to help building your web business. If you’re not able to raise your personal limits because the banks say your balances are too high, then I recommend you work to pay down the balances and also I encourage you to raise credit in the name of a corporation. You can raise $50,000 in the name of a business within 3-6 months regardless of your personal credit score, which can be very helpful to you in building your business.

Keep taking action and I wish you well, Charlotte!

David

I’m very glad you asked this question about the best approach to take. Here’s what I’d do in your situation:

1. When you close on the building loan, only pay 60% of your balances off on your cards (leave 40% balances).
2. Call your banks and use the script to get your limits raised. The ones that haven’t had late payments are the ones most likely to raise your limits. Don’t pay a card off 100% because if they review your account and see late payments they may lower your limits drastically which defeats the whole purpose of using the script. Keeping a balance gives you more leverage.
3. By all means tell them you may consolidate balances unless they lower your rates, and DON’T actually close any of your accounts. Closing an account lowers your total amount of credit which raises your balance/limit ratio and lowers your credit score PLUS you lose the good history of an aged account. None of those results get you where you want to go. Also, you’re not likely to get a ‘come back’ letter like your friends did in the past in this current credit environment. So threaten to close an account, but don’t actually do it.
4. Make all your payments on time going forward. Most banks will only raise your limit once you’ve made 6 or 12 payments in a row on time.
5. Lastly, since it looks like you’re a business owner I strongly urge you to raise and utilize corporate credit. This way you can pay your personal cards down even more, get access to more capital, and when you use the capital it won’t show up on your personal credit report and lower your personal credit score.

I appreciate your patience awaiting my response, and thanks for the question and let me know how it goes!

I have a bricks and mortar business that has been crushed the last year by this poor economy. I am about $40,000 in credit card debt. This is on 6 different credit cards. 3 personal and 3 business. With about $20,000 on the personal cards and $20,000 on the business cards.

All six of them are close to being maxed out. Would your credit card script still work in this situation? I have not been able to pay myself a salary for the last 3 months.

It seems to me that if I were to tell them that I needed to make a large purchase, that they would say no way. It seems to me that I would be a big credit risk.

All of the cards have been paid on time, but one of them went over the credit limit once. I look forward to your insight. Thanks