Don't let the low price fool you - people have paid us several hundred to a thousand dollars or more to have us use the exact same professional tactics and strategies disclosed in this credit guide to get the results they wanted and needed on their credit files in order to qualify for financing or lower their interest rates. Since it's physically impossible for us to serve the needs of 40+ million consumers whose credit ratings are considered 'sub-prime,' our objective is to make this valuable information available to as many people as possible. We hope to make a significant impact on getting more people in the U.S. qualified for home mortgages and other reasonably priced credit so we can get you (our reader) and our economy back on track!  Whether you're employed or not, chances are you've probably felt the effects of the current U.S. recession in many ways. The credit markets, for the most part, are 'frozen' for all of those who do not have the absolute best credit scores. This affects approximately 67% of the U.S. adult population. The strange phenomenon that's taking place is that by not lending money to anyone but those with near-perfect credit scores, the banks are exacerbating the problem and creating a self-fulfilling prophecy in prolonging the recession.