ter program development and attended classes at Penn State. One of the things I learned early in programming is that you must know the field to write an effective program so I started developing a special easy-to-use software program that would help the average American consumer to The credit report repair project started back in 1995. During that time, I had just freed myself from the long hours work schedule as a Financial Planner for American Express. I made lots of money as a Financial Planner but I spent little time with my family. My daughter was only 2 years old at the time and the only time I saw her was when she was asleep. Financial Planners work 12 to 15 hours a day.

One of the tasks that financial planners perform is to update or repair the credit reports of our clients. Most of my clients wanted to buy the home of their dreams or start a new business after selling or closing the previous business. Business closure often causes a negative history for the owners. The first step in planning for their financial future was to update and repair their credit history. Most of my clients were working professionals that could easily afford to pay the fee of $1500 to $3000 depending on how much credit damage had been done, to update their credit reports.

As I was preparing for a career change that would allow me to spend more time with my family, I became interested in computer program development and attended classes at Penn State. One of the things I learned early in programming is that you must know the field to write an effective program so I started developing a special easy-to-use software program that would help the average American consumer to r

2 years old at the time and the only time I saw her was when she was asleep. Financial Planners work 12 to 15 hours a day.

One of the tasks that financial planners perform is to update or repair the credit reports of our clients. Most of my clients wanted to buy the home of their dreams or start a new business after selling or closing the previous business. Business closure often causes a negative history for the owners. The first step in planning for their financial future was to update and repair their credit history. Most of my clients were working professionals that could easily afford to pay the fee of $1500 to $3000 depending on how much credit damage had been done, to update their credit reports.

As I was preparing for a career change that would allow me to spend more time with my family, I became interested in computer program development and attended classes at Penn State. One of the things I learned early in programming is that you must know the field to write an effective program so I started developing a special easy-to-use software program that would help the average American consumer to

heir dreams or start a new business after selling or closing the previous business. Business closure often causes a negative history for the owners. The first step in planning for their financial future was to update and repair their credit history. Most of my clients were working professionals that could easily afford to pay the fee of $1500 to $3000 depending on how much credit damage had been done, to update their credit reports.

As I was preparing for a career change that would allow me to spend more time with my family, I became interested in computer program development and attended classes at Penn State. One of the things I learned early in programming is that you must know the field to write an effective program so I started developing a special easy-to-use software program that would help the average American consumer to

professionals that could easily afford to pay the fee of $1500 to $3000 depending on how much credit damage had been done, to update their credit reports.

As I was preparing for a career change that would allow me to spend more time with my family, I became interested in computer program development and attended classes at Penn State. One of the things I learned early in programming is that you must know the field to write an effective program so I started developing a special easy-to-use software program that would help the average American consumer to

ter program development and attended classes at Penn State. One of the things I learned early in programming is that you must know the field to write an effective program so I started developing a special easy-to-use software program that would help the average American consumer to repair their credit report history themselves and save them the high fees that attorneys and financial planners were charging to update and repair credit reports.

My first credit report repair program was an instruction manual written in September of 1996. It required the consumer to visit a legal law library in their area and to type the credit report repair letters and personal information themselves. This worked out fine for the people who were willing to do the extra research and typing to achieve their goals. In 1999, the internet was becoming more popular and people were looking for more functional software. This drove me to write a new version of the credit report repair software. This newer version contained the 12 legal form letters that the credit bureaus had to respond to or face Small Claims Court. I also included step-by-step instructions to help people repair their credit reports faster.

As time went on, advancements in computer programming required us to re-develop the program language and add more user friendly features to our credit report repair software. We have produced a user frie