ABOUT THIS SOFTWARE PACKAGE
~~~~~~~~~~~~~~~~~~~~~~~~~~~
This software was developed by a former loan officer.  It reflects
years of experience in dealing with credit bureaus and the hidden
loop-holes in the credit reporting system.  These loop-holes were
created when congress enacted ~The Fair Credit Reporting Act~.  

In response to angry taxpayers (and voters) complaints about
inaccurate credit reporting practices by almost all credit
reporting agencies,  Congress created a series of hard line credit
reform bills.  As with most bills designed by Congress, it is full
of inconsistencies and loop-holes. It didn't take credit attorneys
long to figure out how to use (and abuse) these laws to make it
possible for any negative remark on a credit report to be removed
permanently. These same powerful techniques, and the required
forms, are available in this software package. Also contained in
this package is a step-by-step plan to rebuild or establish your
credit.


PERSONAL INFORMATION
~~~~~~~~~~~~~~~~~~~~
The PERSONAL INFORMATION choice, on the main menu, is where you
will go to enter the information that is required about you.  This
information will be used to order your credit report (You must know
what your credit report says about you, if you intend to repair
it).  This information will also be used to Apply for a Secured
MasterCard or Visa if you wish.  And finally, it will be used to
generate the appropriate forms to have any negative information
removed off your credit report.


CREDIT BUREAU INFORMATION
~~~~~~~~~~~~~~~~~~~~~~~~~
The CREDIT BUREAU INFORMATION choice, on the main menu, is where
you will go to enter in the mailing address for the Credit Bureaus.
It comes with the most common Credit Bureaus already entered. You
may want to add smaller Credit Bureaus, if you know that one of
your current or future creditors uses a specific lesser known
credit agency.


ORDER YOUR CREDIT REPORT
~~~~~~~~~~~~~~~~~~~~~~~~
The ORDER YOUR CREDIT REPORT choice, on the main menu, is where you
will go to order your credit report.  If you have been turned down
for credit within the past 30 days, due to information supplied by
a specific credit agency, then your report will be free. Otherwise 
there will be a small charge involved, usually around $15.


SCORING YOUR CREDIT
~~~~~~~~~~~~~~~~~~~
The SCORING YOUR CREDIT choice on the main menu, will allow you to
analyze your credit eligibility. This will let you know where you
are lacking and give you tips on how to improve your credit
appearance.


APPLY FOR A SECURED CARD
~~~~~~~~~~~~~~~~~~~~~~~~
The APPLY FOR A SECURED CARD choice on the main menu, will allow
you to contact one or more banks that offer secured MasterCards and
Visa Cards. A secured card is a credit card that does not rely on
your credit. Instead, you will make a deposit into the issuing
company's bank (between $500 and $1,000), and you will be allowed
to use your credit card as long as you maintain the savings
account.  (which will also draw interest).  Generally after a year,
the bank will give your savings account back to you, and can still
keep your card.

The main advantage of this system, is that the bank will report to
the credit bureau. So if you keep your payments up-to-date, it will
improve your credit rating. Also, many department stores offer
automatic approval if you have a major credit card in good
standing.  Just watch for the department stores that advertise this
policy, and then apply for the department store's credit card. Most
department stores also report to the credit agencies, so this is
another chance to improve your credit report.


REPAIR YOUR CREDIT REPORT
~~~~~~~~~~~~~~~~~~~~~~~~~
The REPAIR YOUR CREDIT REPORT choice on the main menu, is one of
the most powerful sections of this software system.  You can simply
enter in negative remarks contained on your credit report, and the
type of remark (foreclosure, bankruptcy, judgment, late payment,
etc.) and the computer will generate and fill in the correct forms
for you to send to have this information removed. This section is
available only to registered users.  To become a registered user,
send $39.00 to:
                 North Atlantic Publishing
                 P.O. Box 768111
                 Roswell, GA  30076
                 (404) 442-3032

When you register you will receive an up-to-date version of this
software package plus a free book, ~The Credit Report Repair
Manual". This guide contains even more strategies and techniques
for re-building your credit report.

Your credit report will take from 1 to 2 weeks to arrive.  If you
order this software package at the same time that you order your
credit report, you will be ready to immediately start removing the
negative items off of your credit report, once it arrives. We will
ship your software to you within 48 hours after receiving your
order.