remier

Premier Wealth StrategiesPresents

The Insider's GuideTo Loans With Little Or

No Credit.

How To Get A Loan No Matter What You Circumstances Are!

Credit Secrets No One Will Tell You!

One In A Million Lenders!

PREMIER WEALTH STRATEGIESAll rights reserved. No part of the material protected by this copyright notice may bereproduced or utilized in any form or by any means, electronic or mechanical, includingphotocopying, recording, or by an informational storage and retrieval system without writtenpermission from the copyright owner. Any violators will be prosecuted to the full extent of thelaw. Printed in the United States of America.

CONGRATULATIONS, You now have in your possession the key to borrowing at least$15,000 and even up to $250,000. In the following pages, you will find names and addressesof companies and individuals who loan money to people who think they will never and couldnever receive a loan from anyone because of bad credit, no credit, or maybe because theyare self- employed. Hundreds of companies have been rooted out of this program becausethey will not loan money to anyone who might have some bad credit. You can receive morethan one loan, just be careful not to over extend yourself with large payments. We are onlyable to provide you with this valuable insider secrets since we are not a lender. Some of theorganizations may charge a fee in addition to the fee paid to us, but are often willing to loanmoney to people just like you.

The information contained within these pages will help you get loan money no matterwhat you circumstances are. This information will change your entire financial future. Beforeputting together this information, I told a few friends how to get money for anything theyneeded- and they were very excited. The told me when publishing this information that Ishould make the type size large and put lots of pictures in it so it could take up over 100pages. Obviously, I decided not to do that. I knew that the reason you ordered thisinformation was so you could get an accurate and easy way to get the money you want at arate a lot lower than you might have thought.

You may have ordered this information because you are undergoing difficult timesfinancially. Or perhaps, you need extra money to start a business or go on vacation. Whateveryour needs, the procedures outlined here can provide you with the money you desire even ifyou are bankrupt and unemployed.

If you do not receive your loan for at least $10,000 then we will refund your feeaccording to our company refund policy, All we ask is that you send us a copy of the loan turndown notice. This helps us to monitor the effectiveness of this program and we can also giveyou further suggestions to make sure you get your loan. When preparing your presentation tothese companies, please make them as professional as possible, but very simple tounderstand. Explain the purpose of your loan and if its for a business venture, you need togive some idea of what kind of profit your project will make.

This information is separated into three sections:

Section 1How to get a loan no matter what your circumstances are.

Section 2Credit secrets no one will tell you.

Section 3One in a million lenders.

Determining which section applies to you will vary according to your individualcircumstances. If you are in bankruptcy or have very poor credit, read the section on How toget a loan no matter what and then follow up with the One in a million lenders section. If youhave fair credit, you can start with the section Credit secrets no one will tell you and thenfollow up with the One in a million lenders section. If you have good or no credit, read thesection on One in a million lenders. Actually you should read all the information containedsince you will pick up many tips on how to get your loan as quickly as possible, but theguidelines I just mentioned will help you get an idea of how all this works-so you can getstarted in the quickest way possible towards your loan.

One Client said: "If I would of just had thisinformation two years ago, I could be a veryrich man today." This man would have paid$1,000 to have the names and addresses ofthese one in a million companies.

SECTION 1

HOW TO GET A LOAN NO MATTER WHAT YOUR CIRCUMSTANCES ARE, OR IN OTHERWORDS, HOW TO GET A GUARANTEED LOAN

What is Guaranteed Loan Money?

A Guaranteed Loan is any loan (business, personal, real estate or venture capital) that isbased upon three criteria:

1. It depends on some person or organization other than the borrower to be responsible forrepayment of the loan if the borrower is not able to repay.

2. The loan is granted by a bank, finance company, mortgage company or similar institution.

3. The loan is based on the borrower's need, and backed up by the person or organizationguaranteeing to repay the loan if the borrower defaults.

Guaranteed loans are very popular with all types of lenders since the lender isprotected twice (by both the borrower and the guarantor) and very few of these loans defaultsince the guarantor can put pressure on the borrower to repay the loan. This helps the lenderget the money back from the person who borrowed it.

How Does This Work?

A guaranteed loan is just like any other loan, but does have few differences, namely:

1.There are two or more signatures on the loan instead of just one.

2. You can reduce delays in getting the loan since the guarantor's signature can quicken loanapproval.

3. A Lender will like the guaranteed loan since the risk of loss, or not being paid back, is less.

Here's what you do.

1. You (as borrower) find out the type of loans and amounts a lender gives and get anapplication from any loan institution that loans out the amount of money you need.

2. Then fill out the application-be sure to give full details of the amount needed, how long youneed the loan for, what the money will be used for and any other information the lender asksfor.

3. Then you and the guarantor both sign the application.

4. The money is given to you-not the guarantor!

If you don't like the word guarantor, then there are other words a guarantor can beknown by: A co-maker, a cosigner, a joint signer. Each of these means the same thing. Butthe important thing to remember is that a guaranteed loan is any type of loan that is made toa person or company which is backed up by two or more promises to repay the money if oneof the borrowers is unable to repay and the money goes to the borrower-not the guarantor.

The guarantor is the person or organization that guarantees to pay back the loan ifthe borrower is unable or unwilling to repay the loan on time. The guarantor does not receivethe loan proceeds and does not make the normal payments unless the borrower defaults. Theborrower is the person who gets the money and makes the loan repayments.

A guaranteed loan does not cost any more than a "regular" (one signature) loans. In fact,a guaranteed loan may even carry a lower interest rate since there is less riskassociated with this type of loan.

Here's the kind of Guaranteed Loan Money you can get.

There are many different types of loans you can get using the guaranteed loan moneymethod. These include:

Personal Loans: Consolidate bills into one payment, Home Improvement, Cars, MedicalPurposes, Schools and education, Vacation, Furniture, Clothing, Appliances, Really anypurpose-just because you want or need the money.

Real Estate Loans: Buy Buildings, Land or Factories, Build for commercial use, DevelopLand, Buy Distressed Property, Down Payment for Real Estate, Property Fix Up, and manyother uses.

Business Loans: Buy an existing business or start a new one, Buy more equipment, Expandbusiness, Pay payroll or past due bills, Hire new people, Lease business equipment these arejust some of the ways that Guaranteed Loan Money can be used. As you can see, there aremany other ways it can be used in addition to those above.

How to get a Cosigner, Co-Maker or Guarantor for a loan.

A guaranteed loan is often the only way a person with poor credit, too many otherdebts or no credit history can get a loan. Many times a borrower will overlook this simplemethod even though there are plenty of guarantor near them who can help them out. Thereare a number of easy and proven ways to get the guarantor you need for your loan.

1. Place an ad in a local paper for a cosigner. I had placed an ad in a paper with a circulationof 100,000 that read: "$15,000 Loan Needed, will repay in 10 months, secured by assets. Call555-1212." Five people responded ready to give us the money, and four of them said theywould co-sign for a fee- and all this without wanting a credit check. You ad could readsomething like the following:

• Wanted: Cosigner for $XX,XXX loan;Fee will be paid. Call 555-1212

• Get Good fee for cosigning on a $XXX,XXX Business LoanSecured by assets. Call 555-1212

• Guarantee a loan and earn $1,000 fee, payable afterloan is obtained. Call 555-1212

Section 2

CREDIT SECRETS NO ONE WILL TELL YOU

Do you have credit problems? We understand!!! Why not borrow from your localfinancial institution? Many people have all the right qualities to get a loan, and they are justabout approved for a loan, until the lender sees a credit report and declines the loan. Sosome people have figured out how to repair their credit report and give themselves a goodcredit rating. It is easy and can be done from your own home fro almost no investment-butyour time-once you know how. We show you how.

Get started NOW! By following the next step.READ THE FOLLOWING INFORMATION CAREFULLY!

HOW TO ESTABLISH A GOOD CREDIT RATING INAS LITTLE AS THIRTY DAYS!

Besides using existing Federal and State laws to maintain a good credit file, this littleknown method is good to get an AAA credit rating or cash loans when you need them. Towork this plan properly, you need at least $1,000 to begin. If necessary, you can borrow thisfrom family or friends. What you will be doing is opening a series of savings accounts andborrowing your own money until you have established a good credit rating.

These are the steps that you need to take in this procedure

1. Go to a bank of your choice and deposit $1,000.00 (or more) into a regular passbooksavings account. Wait a few days for the account to be posted.

2. Return to the bank to ask for a $1,000.00 loan (or whatever the amount you deposited),offering the passbook account as security. Since the bank is already holing your money, itcan't lose by lending you the $1,000.00 (or more), and in most cases they won't even make acredit check because you are borrowing your own money.

3. Now take the $1,000.00 (or more) that you have borrowed from the bank and repeat step 1with another bank.

4. Get 3 to 5 savings accounts established this way.

5. After you have established several accounts, take the last $1,000.00 (or more) youborrowed and open a checking account to make small payments on each loan.

6. Wait a few days and make a payment on each loan.

7. Continue paying each week until the balance is paid off.

Now, when anyone runs a credit investigation, your report will show active bank loans(which are considered hard to get), a checking account and a payment history for the bankloans. Depending on how much each loan is paid off, a credit investigation will show you withpaid off bank loans, or loans that are a couple of payments ahead. Your credit will look asgood as gold. Now you can go to the same banks and ask for unsecured loans of the sameamount and more. When they see you have credit all over town, you should not have aproblem securing a loan. Using this method, it is very possible to obtain $15,000 or more in a30-60 day period. You can also get just about any credit card you want using this method.

SECTION 3

ONE IN A MILLION LENDERSInnovative Financing Sources

Each of the companies listed below should be eager to help you as they are activelylooking for people to loan money to. Only write to the ones that pertain to your situation. Bespecific in your first letter as to how much money you need and what the money will be usedfor. If you have any trouble dealing with any firm listed, please contact us at once and we willtry to correct the matter.

While the sources on this list are believed to be reliable, no warranty or representationof any kind is made when dealing with any broker listed. Therefore, neither the author orpublisher assume any responsibility for contracts, agreements, negotiations or other use thatmight result from publishing this type of information.

In order to get the full $15,000, you may have to borrow bits and pieces of it fromdifferent lenders. You may or may not get it all at once. But if you keep at it, you will eventuallyget it. Make your payments on time and always ask for an increase (usually every six months).Believe me, they will love you for it.

IMPORTANT NOTE:

If the lender asks who referred you to them , just say a friend. Which is the truth, since youhave already read this far, we have covered a lot of information together. And I am glad to beable to help you-which is what friends do for each other. If you tell a lender the name of ourcompany, the lender may think we are a credit repair place and refuse to take yourapplication.

The following pages contain the research as to what we feel are the best loan sources forindividuals to contact. Some have toll-free numbers and these numbers are based upon thelatest information. Please note that some 800 numbers or other numbers may not beaccessible from your location. If this occurs, just try the next number listed.

Commercial banks provide business and income real estate loans along with a number ofbusiness- related services. You can also try your local commercial affiliate for such services.

PERSONAL LOANS(Liberal Lending Sources)

Finance Companies Nationwide Who Lend to High-Risk Borrowers

IPC Financial 1-800-872-8608 Unsecured loansLoan by Phone 1-888-919-6669 Phone ApprovalUnsecured Loans 1-800-517-9618 Fast ApprovalFPD Resources 1-800-993-6680 Fast ApprovalLoans by Mail 1-800-577-5053 Loan by mail serviceAngel Funding http://www.getangelfunding.com $35,000 in 21 daysNation's Credit 1-800-FINANCE Maximum Loan $5,000Household Finance 1-800-992-4432 Can approve loan in 4 hours.The Associates Capital Bank 1-800-348-2739 Maximum Loan $35,000American Investment 1-800-453-9494 Maximum Loan $75,000Chase Manhattan 1-800-CHASE24 Maximum Loan $25,000

Alabama

Birmingham (205)

American General Finance 798-0080 National Finance and Discount Co. 323-1691

AVCO Financial Services 942-4891 Nations Bank Financial Serv. 951-2290Blazer Financial Services 822-6691 Nations Credit Fin. Serv. Corp 733-2900City Finance Co. 879-2489 Norwest Financial 942-1227Household Finance Corp. 951-3916 Security Pacific Fin. Serv. Inc 956-9776ITI Financial Services 800-577-1257 Transamerica Financial Serv. 967-8338

Mobile (205)

American General Finance 344-2213 ITT Financial Services 800-577-1257AVCO Financial Services 342-3663 Nations Banc Financial Serv. 344~9100Blazer Financial Services 471-6216 Nations Credit Fin. Serv.. Corp. 344-9100City Finance Co. 343-0200 Norwest Financial 344-1345Household Finance Corp. 342-6010

Alaska

Fairbanks (907)

Norwest Financial 456-7781

Anchorage (907)

Norwest Financial 272-6594

Arizona

Tucson (602)

American General Finance 887-0050 Household Finance Corp. 8884990AVCO Financial Services 722-0122 ITT Financial Services 800-577-1257Beneficial of Arizona 797-8156 Norwest Financial 881-5616Blazer Financial Services 790-9097

California

Alameda, Berkeley, Oakland, San Leondro (510)

American General Finance 836-2232 Household Finance Corp 835-8200AVCO Financial Services 483-5031 Nations Credit Fin. Serv. Corp. 676-3344Beneficial of CA, Inc. 828-3730 Transarnerica Financial Serv. 893~885

Fresno, Clovis (209)

American General Finance 224-3816 ITT Financial Services 800-577-1257AVCO Financial Services 423-5390 Nations Credit Fin. Serv. Corp. 225-2063Beneficial of CA Inc. 222-3757 Norwest Financial 226-8511

Security Pacific Fin. Serv. Inc. 225-4692Household Finance Corp. 226-6241 Transamerica Financial Serv. 222-5256

Orange County (714)

American General Finance 547-8251 Fidelity Financial Services Inc. 557-5424AVCO Financial Services 957-6551 Household Finance Corp. 222-0133Beneficial of CA, Inc. 556-4530 ITT Financial Services 800-577-1257

Norwest Financial 557-9852Transarnerica Financial Serv. 480-1080

Riverside (909)

American General Finance 784-6660 Household Finance Corp 823-1355AVCO Financial Services 686-6210 ITT Financial Services 800-577-1257Beneficial of CA, Inc. 825-5660 Norwest Financial 684-9081Fidelity Financial Services Inc. 353-8481 Transarnerica Financial Serv. 683-2320

Sacramento (916)

American General Finance 485-8034 ITT Financial Services 800-577-1257AVCO Financial Services 423-5390 Nations Credit Fin. Serv. Corp. 856-1750Beneficial of CA, Inc. 486-2791 Norwest Financial 726-6661Commercial Credit Corp. 3624791 Security Pacific Fin. Serv. Inc. 688-8883Household Finance Corp. 858-0561 Transarnerica Financial Serv. 638-0602

San Diego (619/818)

American General Finance 279-6675AVCO Financial Services 292-6221 Norwest Financial 223-2403Beneficial of CA, Inc. 427-9010 Security Pacific Fin. Serv. Inc. 578-6150Commercial Credit Corp. 673-9681Household Finance Corp. 278-5361

San Francisco (415)

American General Finance 952-6383 ITT Financial Services 800-577-1257AVCO Financial Services 661-5560 Nations Credit Fin. Serv. Corp. 615-8060Beneficial of CA, Inc. 586-1656 Norwest Financial 589~574Household Finance Corp. 362-4S42 Transamerica Financial Serv. 474-7200

San Jose, Santa Clara (408)

American General Finance 22S-1402 ITT Financial Services 800-577-1257AVCO Financial Services 267-7060 Nations Credit Fin. Serv. Corp. 377-6200Beneficial of CA, Inc. 265-7710 Norwest Financial 946-8601Commercial Credit Corp. 377-6250 Transamerica Financial Serv. 262-3220Household Finance Corp. 848-3721

Colorado Colorado Springs (719)

American General Finance 598-6362 Nations Credit Fin. Serv. Corp. 594-0061Beneficial of CO, Inc 577-4232 Norwest Financial 570-1030Fidelity Financial Services Inc. 471-8932 Pioneer Military Loans 391-1111

Denver (303)

American General Finance 744-3351 Household Finance Corp. 695~0360AVCO Financial Services 972-9744 ITT Financial Services 800-577-1257BancOne Financial Serv.Inc. 421-6826 Norwest Financial 751-7400Beneficial of CO, Inc 421-3610 Teller Financial Services 232-3241

Pueblo (719)

AVCO Financial Services 564-6571 Beneficial of CO, Inc. 544-6327

Connecticut

Bridgeport (203)

Beneficial of CT, Inc. 735-1841 Household Finance Corp. 330-1770

Greenwich, Stanford (203)

Beneficial of CT, Inc. 8534 138 Household Finance Corp. 325-1561

Hart Ford (203)

Beneficial of CT, Inc. 289-3371 Household Finance Corp. 838-4787Better Loan Society, Inc. 529-8628

New Haven (203)

Beneficial of CT, Inc. 934-8691 Nations Credit Fin. Serv. Corp. 753-0148Household Finance Corp. 795-5212

Delaware

Dover (302)

American General Finance 678-2950 Household Finance Corp. 678-8800American Gen. Fin. (Smyma) 653-8591 Norwest Financial 734-3611Associates Financial Services 674-3900 Security Pacific Fin. Serv. Inc. 734-5841AVCO Financial Services 734-4792 Security Pac. Fin. Serv. (Milford) 422-9657Beneficial of DE, Inc. 678-1606 Transamerica Financial Serv. 678-9514

Wilrnington (302)

American General Finance 368-8507 Chrysler First Consumer Disc.Co. 215-891-0413AVCO Financial Services 738-6110 Household Finance Co (Newark) 836-9095Beneficial of DE, Inc. 456-1602 Security Pacific Fin. Serv. Inc. 478-8070Beneficial of NJ, Inc. 609-678-6101 Security Pac. Fin. Serv. (Newarlc) 737-1920Blazer Financial Services 998-7766

Florida

Ft Lauderdale (305)

American General Finance 938-9201 Nations Banc Financial Serv. 970-0041Associates Financial Serv. Co. 527-0822AVCO Financial Services 741-7566 Norwest Financial 486-85SOBeneficial of FL, Inc. 564-7643 Transamerica Financial Serv. 561-0800Household Finance Corp. 472-1502

Jacksonville (904)

American General Finance 721-8225 ITT Financial Services 800-577-1257AVCO Financial Services 6414440 Nations Banc Financial Serv. 398-8677Beneficial of FL, Inc. 786-3440 Norwest Financial 733-5310Century Finance Co. 725-1055 Security Pacific Fin. Serv. Inc. 281-0880Household Finance Corp. 724-8025 Trans-South Financial Services 384-0354

Miami (305)

American General Finance 232-5051 Household Finance Corp. 823-4190Beneficial of FL, Inc. 558-5586 Nations Credit Fin. Serv. Corp. 558-5586Del Rio Finance Corp. 681-7401 Norwest Financial 558-1515Diversified Financial Serv. 621-0190 Trans-South Financial Services 593-9964First Family Financial Serv. 558-3004

Tampa (813)

All state Finance 870-6173 Household Finance Corp. 6854563American General Finance 9354555 ITT Financial Services 800-577-1257AVCO Financial Services 885-9461 Norwest Financial 899-0909Beneficial of FL, Inc. 977-3304 Trans-South Financial Services 988-9148Blazer Financial Services 988-5104

Georgia

Columbus (706)

American General Finance 324-6684 First Family Financial Serv. 323-3683AVCO Financial Services 576-5229 Georgia Smith Finance Co. 324-5674Beneficial of GA, Inc. 323-7266 Household Finance Corp. 561-6940Best Finance Corp. 324-2843Bi-City Credit Co. 596-1585 Key Finance Co. 327-3575Blazer Financial Services 324-0452 Mac-Co Financial Services 327-6581Browardway FinanceCo. 322-8815 MannFinanceCo. 324-6411Brown Finance Co. 322-1442 Mercury Finance Co. 687-3001Century Finance Co. 322-2544 Nations Credit Fin. Serv. Corp.324-3741CharterCreditCo. 327-1575 Norwest Financial 324-3643Choice Finance Co. Inc. 297-5517 Phoenix Finance Services 327~010Columbus Finance Co. 322-8258 Pioneer Military Loans 685-2005Consolidated Loan Co. 327-6578 Quick Loan Co. 322-2009Cook Finance Co. 323-2421Deerfield Financial Services 569-5575 Trans-South Financial Services 323-2457

Atlanta (404)

Household Finance Corp. 996-0056Apex Finance Co. 523-5619 ITT Financial Services 800-577-1257AVCO Financial Services 361-7510 King Finance Co. 524-8855Beneficial of GA, Inc. 991-8800 Legal Finance Co. 522-8832Chesterfield Finance Co. 688-8721 Nations Banc Financial Serv. 955-2570Citizens Finance & Loan Serv. 688-5086 Nations Credit Fin. Serv. Corp. 320-7197City Finance Corp. 525-7893 Norwest Financial 349-2805Fleet Financial Center 452-2200 Transamerica Financial Serv. 294-4043

Hawaii (808)

Fidelity Financial Services Inc. 848-2447AVCO Financial Services 841-4221 Finance Factors LTD 548-3311Beneficial Hawaii Inc. 533-4202 Investors Finance 533-7437Devenzon Financial Corp. 841-4100

Idaho

Boise (208)

American General Finance 343-7976 Fidelity Financial Services Inc. 322-2841AVCO Financial Services 322-1441 Murdoch Finance Co. Inc. 375~6116Beneficial Idaho Inc. 376-5341 Norwest Financial 376-0252Blazer Financial Services 376-5454 Transarnerica Financial Serv. 345-5050Convenient Loan 375 4500

Illinois

Chicago (312)

American General Finance 263-2030AVCO Financial Services 549-2422 Mercury Finance Co. of IL 775-3666Beneficial of IL, Inc. 708-543-0757 Midland Finance Co. 761-5100Blazer Financial Services 233-1040 Nations Credit Fin. Serv. Inc. 237-2182Cosmat Loan Co. Inc. 463-6274 Noble Finance 554-8811Fidelity Financial Services Inc.721-3051 Tumer Acceptance Corp. 539-8900Great American Finance Co. 332-7119

Rockford (815)

American General Finance 633-5737 Household Finance Corp. 399-7095AVCO Financial Services 395-0655 Mid Arnica Finance Services 633-2270Beneficial of IL Inc. 398-3833 Norwest Financial 397-7363

Indiana

Indianapolis (317)

American Family Fin. Serv. 842-1095 ITT Financial Services 800-577-1257American General Finance 889-1511 Mercury Finance Co. 299-0909AVCO Financial Services 897-0055 Nations Credit Fin. Serv. Inc. 897-8001Beneficial of ID, Inc. 644-7741 Nichols Finances Services 243-8211Fidelity Financial Services Inc. 845-7855 Norwest Financial 293-2447Household Finance Corp. 842-1620 Transarnerica Financial Serv. 841-1447

Iowa

Des Moines (515)

Action Finance Services Inc. 278-8808 111 Financial Services 800-577-1257American General Finance 285-7725 Norwest Financial 243-0521AVCO Financial Services 287-0553 Transarnerica Financial Serv. 222-0303Cash Credit Corp. 288-3237

Kansas

Wichita (316)

American General Finance 522-2286 ITT Financial Services 800-577-1257Beneficial of KA, Inc. 681-0065 Nations Credit Fin. Serv. Inc. 685-2611Household Finance Corp. 722-6776 Norwest Financial 683-6546

Kentucky

Louisville (502)

American General Finance 495-1266 Nations Credit Fin. Serv. Inc. 339-1339AVCO Financial Services 447-8551 Norwest Financial 239-2177Beneficial of KY, Inc. 968-5408 Public Finance Corp. 969-3217Household Finance Corp. 966-8444 Security Pacific Fin. Serv. Lnc. 964-5991ITT Financial Services 800-577-1257 Trans-South Financial Services 451-2083Mercury Finance Co. 448-0333

Louisiana

Baton Rouge (504)

Allied Finance Co. 664-0114 Family Financial Services Inc. 926-9120Allstate Financial Serv. Inc. 383-9091 Fendley Finance Corp. 925-5324American Fidelity Finances 924-4000 Fidelity National Corp. 927-0005American General Finance 343-0295 Guaranty Credit Plan Inc. 356-3471Available Credit Service 356-5241 ITT Financial Services 800-577-1257AVCO Financial Services 926-5050 Imperial Credit Inc. 383-9033Baton Rouge Credit 334-0200 Louisiana Credit Inc. 923-2262Beneficial of LA, Inc. 273-3672 Norwest Financial 923-0681Blazer Financial Services 356-3324 Premier Credit Inc. 343-5056Central Credit Corp. 356-4656 Rainbow Credit Center 925-2911City Credit Corp. 356-3218 Southeast Finance of Baker Inc.774-7094Credit Plan of Baton Rouge 9284130 Southeast Finance of Baton Rouge 923-1465Custom Financing Inc. 344-8561 Tower Loan 925-0983Economy Fin. of Baton Rouge 383-8363

New Orleans (504)

American General Finance 368-1880 Norwest Financial 368-5504Beneficial of LA, Inc. 394-1194 Nations Banc Financial Serv. 601-864-2305Fleet Finance Inc. 362-8811 Town Credit 362-9622Gulfco Finance Co. 341-9557 Sun Finance Co. Inc. 366-2464Mid South Credit Corp. 340-5020

Massachusetts

Boston (617)

Beneficial of MA, Inc. 508-927-0250 Household Finance Corp. 849-6132Nations Credit Fin. Serv. Corp.327-2270 Norwest Financial 321-0440

Michigan

Detroit (313)

Kearney Credit Inc. 294-5700 Household Finance Corp. 562-8200

Minnesota

Minneapolis (612)

AVCO Financial Services 881-5829 Norwest Financial 633-8463Beneficial Loan and Thrift Co.888-4154 Park Credit Co. 566-9170Cash Fair 938-3222 Security Pacific Fin. Serv. Inc.898-1511Cityside Loans & Savings 935-2116 TCF Financial Services Inc. 544-0454ITT Financial Services 800-577-1257

Mississippi

Jackson (601)

Allied Credit Corp. 922-6400American General Finance 969-9332 Globe Finance Services 353-4677Beneficial of MS, Inc. 354-1581 ITT Financial Services 800-577-1257Blazer Financial Services 354-8823 Nations Credit Fin. Serv. Corp. 957-1151City Finance Co. 354-1286 Norwest Financial 957-0518Credit Center 939-3323 Personal Finance Co. 936-4473First Family Financial Serv. 366-3291 Rapid Finance Co. 978-1750Friendly Finance Co. 353-3487 Tower Loan 982- 1351

Missouri

St. Louis (314)

American General Finance 227-0307 Midwest Acceptance Corp. 351-8500AVCO Financial Services 822-8003 Norwest Financial 962-3336Beneficial of MO, Inc. 227-9500 Normandy Bank 383-5555GMC Financial 2254466 Security Pacific Fin.Sen.Inc. 949-6677Household Finance Corp. 291-2510 Southern Leasing Corp. 821-7802ITT Financial Services 800-577-1257 Transamerica Financial Serv. 838-1000

New Jersey

New Brunswick (908)

American General Finance 494-3610 Household Finance Corp. 549-9300Beneficial of NJ, Inc. 257-5900 ITT Financial Services 800-577-1257

Nations Credit Fin. Serv. Corp. 201-535-3431

New Mexico

Albuquerque (505)

Advance Loan 764~8888 Economy Finance Co. 881-7004American General Finance 837-1425 Household Finance Corp. 883-9700Associates Finance Services 884-2971 ITT Financial Services 800-577-1257AVCO Financial Services 265-8555 NationsCreditFin.Serv.Corp. 883-4444Beneficial of NM, Inc. 881-8787 Norwest Financial 883-3204Blazer Financial Services 242-2646 Personal Credit Plan Inc. 881-6767Cash Loan Co. 247-8300 Southwest Finance Services 883-6691

New York

Buffalo (716)

Associates Finance Services 691-0121 ITT Financial Services 800-577-1257AVCO Financial Services 674-8050 Nations Credit Fin. Serv. Corp. 683-2783Beneficial of NY, Inc. 695-0597 Norwest Financial 831-9014Certified Finance Co. Inc. 692-8880 Transarnerica Financial Serv. 675-0616Household Finance Corp. 835-8383

Manhattan (212)

Beneficial of NY, Inc. 227-066 Household Finance Corp. 732-0669

Nevada (702)

American General Finance 786-3433 Household Finance Corp. 825-3000Design Finance Services 322-5791 ITT Financial Services 800-577-1257Norwest Financial 883-7655

North Carolina

Charlotte (704)

American General Finance 598-8170 Nations Credit Fin. Serv. Inc. 542-7880AVCO Financial Services 568-5911 Norwest Financial 568-2246Beneficial of NC,Inc. 568-6330 PrimericaFinanceService 376-3177BlazerFinancialServices 536-9972 Safeway FinanceCo. 525-0542Household Finance Corp. 563-8912 Security Pacific Fin. Serv. Inc. 567-6096llT Financial Services 800-577-1257 Transarnerica Financial Services 554-8000Lee Financial Services Inc. 529-0871

Ohio

Akron (216)

American General Finance 896-2300 Household Finance Corp. 633-7986AVCO Financial Services 630-2642 ITT Financial Services 800-577-1257Beneficial of OH, Inc. 633-4973 Nations Credit Fin. Serv. Corp. 493-6062Fidelity Financial Services 630-0903 Norwest Financial 668-2644

Oklahoma

Tulsa (918)

A Family Loan Co. 342-0022American General Finance 224-7333Avco Financial Services 496-3773 Good Neighbor Finance 664-9090BPI Express Loan 592-6733 Household Finance Corp. 627-8433Banner Loans 583-6249 ITT Financial Services 800-577-1257Beneficial of OK, Inc. 258-6595 Kent Finances 582-1855Blazer Financial Services 743-2386 Master Finance Corp. 583-5758BudgetFinanceCo. 584-5626 Money ServiceInc. 584-3161

Cardinal Credit 445-1555 Noble Finance Corp. 224-1067City Finance Co. 834-0871 Norwest Financial 663-1014Denton Finance 446-1469 Security Finance Corp. 224-4500Diamond Finance 744-4092 Standard Finance Services 587-5528Emergency Loans 592-0252 Superior Loan Co. 584-0461Empire Finance Inc. 342-3031 Surety Finance Serv. 584-4196Fidelity Financial Services 622-8292

Pennsylvania

Pittsburgh (412)

American General Finance 653-6670 First South Saving Assoc. 381-8000AD Financial Service 487-4467 Household Finance Corp. 366-8690Associates Financial Services 391-9790 ITT Consumer Disc. Co. 922-6444AVCO Financial Service 374-987C' Nations Credit Fin. Serv. Corp. 257-9915Beneficial Consumer Disc. Co. 923-1757 Norwest Financial 881-6581Blazer Consumer Disc. Co .823-6610 Security Pacific Cons. Disc. Co. 921-7282

Texas

Austin (512)

Lemens Finance Co. 478-6441ABC Plan Loans 478-7272 Loans of TX Assoc. Co. 474-6551Allied Finance Co. 451-6413 MFC Finance Co. 326-2252Atlas Credit Co. Inc. 480-0030 Master Loan Service 476-6906B & W Finance 477-6369 Norwest Financial 454-2671Beneficial of TX, Inc. 452-0167 Tam Finance Co. 474-7666Blazer Financial Services 467-0821 Texas Warrant Co. 478-1653CIC Finance & Rental Service 472-7297 Travis Loans Inc. 478-9548First State Loan 472-8246 Worker's Finance Co. Inc. 476-7616ITT Financial Service 800-577-1257 Worth Finance Corp. 476-0661

Dallas (214)

ABC Finance Co. 817-332-3804Allied Finance Co. 817-429-7332 ITT Financial Services 800-577-1257Amicable Finance Co. 942-9933 Justice Finance Co. 642-5470Atlas Credit Co. Inc. 941-3752 Loan Star Loans 946-2304Banner Finance Corp. 742-6728 Nations Credit Fin. Serv. Corp. 402-3500Beneficial of TX, Inc. 341-2900 Norwest Financial 352-0699Blazer Financial Services 589-2252 Personal Finance Co. Inc. 720-9176Century Finance 263-7247 Presta Finance Inc. 526-9665Chesterfield Loan 747-3541 Texas Finance Co. 748-7429

Washington

Seattle (206)

American General Finance 838-4956 Crown Finance Co. 228-5220AVCO Financial Services 745-4343 Household Finance Corp. 454-3395Beneficial of WA, Inc. 355-9646 Norwest Financial 625-1165Cascade Credit Co., Inc. 226-6320 Transamerica Financial Services 562-2302Commercial Credit Corp. 822-2225

Washington D.C.

Beneficial of MD, Inc. 301-725-6006 Nations Credit Fin. Serv. Corp. 301-622-0523Beneficial of VA, Inc. 703-765-0900 Nations Credit Fin. Serv. Corp. 703-631-0040

Signature Loans Through The Mail

Major Financial Institutions- Nationally Which Make Signature Loans Through The Mail

The following institutions like to lend to individuals with average credit ,but will consider lendingto individuals who have had credit problems:

Request an application from the lending institutions directly. When apply assemble as muchinformation as you can to explain your credit problems. If you have a job and are nowfinancially stable, they will consider your Ioan request. Provide Ietters from credit bureaus,creditors and other documentation which will support your ability and willingness to pay.

Maryland National Bank (Loans in DC, MD, VA, DE only)ATTN: Ruth Anne MazerP.O. Box 17384Baltimore, MD 21203Customer Service: 1-800-222-3222Request Gold Leaf Signature Personal Line-of-CreditAmount: $25,0OO - $100,000 unsecured, no collateral or equity required.Minimum Income: $25,OOOInterest Rates: Balances over $20,000 (Prime rate + 2% at a Fixed rate) / or Balances under$20,000 (Prime rate +3% at a Variable rate).ORRequest Unsecured Personal Line-of-CreditAmount: $2,5OO - $10,000 unsecured, no collateral or equity required.Minimum Income: $20,000Interest Rates: Fixed rate at 18% or Variable rate - 12% (Prime rate + 1.5%).

If you have filed bankruptcy, after seven years they may consider you loan request. If youhave had judgments against you, they may consider your loan application.

Chase Bank of Maryland (In state loans on}v) 2045 York Road Timonium, MD 21093Customer Service: 1-800-242-7325 Request Chaseline Unsecured Personal Line-of-CreditAmount: $10,000 - $20,000 unsecured, no collateral or equity required Minimum Income:$30,000 if you're single or $40,000 if you're married or filing a joint application. Interest Rate:16.9% / Terms: Revolving Line-of-Credit.

If you have judgments and delinquent accounts they may consider your loan request.

CitibankP.O. Box 5870New York, NY 10163Customer Service: 1 800-926-1067Request Checking Plus Line of CreditAmounts: $500 - $15,000 unsecured no collateral or equity required.Minimum Income: No SetInterest Rate: 18% (Prime rate + 6%)l Terms: Varies.

If you have filed bankruptcy, they will approve your loan request after the bankruptcy hasbeen removed from your credit report (7 years for a wage earner plan and 10 years for astraight bankruptcy).

Chemical BankRetail Card Services DivisionP.O. Box 1011 Hicksville, NY 11802-9940Customer Service: 1800-648-0555Request: Gold Visa / MasterCard Line-of-Credit Amount: $5,OOO - 100,000 Minimum Income:S30,000 Interest Rate: 15%ORRequest Regular Visa / MastcrCard Line-of-Credit Amounts: Up to $25,000 Minimum Income:$18,000 Interest Rate: 17.8%

If you have filled for bankruptcy, they will consider your loan request after the bankruptcy hasbeen removed from your credit report.

The Chase Manhattan Bank (U S.A.), N.A.*Canadian Citizens Are Welcomed*P.O. Box 15008Wilmington, DE 19850-5008Customer Service: 1-800-441-7683, between 8:30 am -6:00 pm, EST.Request Chase Advantage Personal Line-of-CreditAmounts: $2,000- $25,OO0 unsecured, no collateral or equity required.Minimum Income: $20,000Interacts Rate: 13.5% / Terms: Up to 6 (six) years to repay the loan.

Will consider lending to individuals who have had credit problems, depending on thecircumstances. If you have or had a bankruptcy or judgment against you, explain yoursituation fully when applying.

American Investment Bank, N.A.ATTN: John WrightCrossroads Tower50 South Main, Suite #460Salt Lake City, UT 84144Customer Service: 1-800-882-4067 / or call Collect at (801) 297-1050Request Unsecured Personal LoanAmounts: $5,OOO - $5O,OOO unsecured, no collateral or equity required.Minimum Income: $5O,OOOInterest Rates: 12.9% for New Customers who will repay the loan off in 6(six) weeks / or 16.4%at a Variable rate / or 18.9% at a Fixed Rate / Terms: Repay the loan off in up to 6 (six) years.

If you have had judgments or delinquent accounts, they may consider your request. If youhave filed bankruptcy, they will only consider your request when the bankruptcy is no longeron your credit record

Core States Bank of Delaware, N.A.*Canadian Citizens Are Welcomed*P.O. Box 8922Wilmington, DE 19899Customer Service: 1-800-833-3010 / or 1-800-223-3331.Request Premier Visa / MasterCard Line-of-CreditAmounts: $5,OOO - $15,OOOMinimum Income: $30,000Interest Rates: Balances over $2,500 - 12.8% / Balances under $2,500 - 14.8%ORRequest Regular Visa / MasterCard Line-of-CreditAmounts: Up to $5,OOOMinimum Income: S12,000Interest Rates: Balances over $2,5OO - 12.8% / Balances under $2,5OO - 14.8%

This lender may consider you for a loan if you filed bankruptcy or had judgments ten yearsago and these negative items no longer appear on your credit report.

Primerica BankCustomer Service: (302)454-55OO.Request. Gold MasterCard Line-of-CreditAmounts: $10,000 - $5O,OOOMinimum Income: $35,OOO - Proof of income required.Interest Rate: Prime rate + 14.75%

If you have, or had filed bankruptcy this lender will only consider you for a loan after thebankruptcy is no longer on your credit report. If you have, or had a judgment against you theymay consider your loan request.

EQUITY LOANS(Based on real estate holdings)

United Lending Group26300 La Alameda, Suite 100Mission Viejo, CA. 926911-800-244-1228(Get a loan approved in 2 weeks-$20,000-$50,000,depending on your home equity value.)

Alpha Mortgage USA, Inc.1-800-219-2301 (Funds in 2 weeks, based on your home value.)

Pacific Thrift and Loan1-800-562-6784 (Funds in 2 weeks, based on your home value.)

World Wide Credit Corporation1-800-562-6867(Offers Loans on "No Equity" for any amount up to $75,000,less than perfect credit acceptable.)

Unicor Funding, Inc.1-800-834-8388

United Companies Lending Corporation1-800-239-8252

New Century Mortgage Corporation1-800-314-4626 (Offers Easy Qualifier Homeowner loan,"Regardless of the status of your credit...or your financial circumstances.")

Aames Home Loan1-800-326-2626 (The company states that they can help you out, even with creditproblems, since it is the equity that matters to them, not income or credit.)

Allied Bank, F.S.B.1-800-211-CASH (2274)(The company states that they can help the self employed, previous bankruptcy, orderogatory credit.)

Small Business Loans

Elfin Financial Architects Chet Nowlen & AssociatesP.O. Box 1633 P.O. Box 6094Silver City, NM 88062 Jackson, MS 39288-6094

Specializes in small business and franchise loans $100,000 to $1,000,000

Capital Formation Inc.18 Glen TerraceStamford, CT. 06906203-359-1708(Business and Commercial Loans to $75,000,000)

Annuity Funding

Legal Funding, (funding for lottery winners, mortgageholders and other annuities) 1-800-990-3382

Money Programs: Billions for Everyone

The Federal Government loans and gives away billions of dollars every year foreverything from homes and businesses, to painter and writers. Look through the Catalog ofFederal Domestic Assistance at your library. ( Be sure to see the chapters on Small Businessand Entrepreneur's, Housing and Real Estate.)

Loan Guarantees

This company has collateral for rent and offers loan guarantees as mentioned inSection 1: How to get a Guaranteed Loan.

VENDETH UK9526 Park StreetBellflower, CA 90706

Sample Application Request Letter

You could type these letters up on your computer or go to a copy shop and havethem typeset and print them for you.

Date

Loan Company's Name and Address Here

Dear Sirs,

I would like to apply to your company for a personal signature loan to consolidate my debts.Please send me the necessary terms and information.

Yours truly,

Your Name, address, and telephone number here.

TO HELP YOU GET YOUR LOAN APPROVED QUICKLY READ THIS!

A summary of information in easy to read form is outlined below. These guidelines,should be extremely beneficial in aiding you to prepare your loan request application andultimately receiving your loan. We will try to show you what most lending institutions look forwhen determining a request for your loan.

When submitting your loan request letter, type or write legibly. Make a good impressionright from the start! Take the time to write high class letters. It is worth the effort! Yourapplication request letter should be very business like in appearance and should be typed ifpossible. You can write your letters by hand, but please PRINT unless your handwriting is neatand legible. State briefly your need for a loan. Stress sincerity. Also state your current salary.

Be patient. People have a tendency to be impatient with lenders. Do not yield to thattemptation. Having a checking and a Savings account will be to your advantage. If you do nothave both, open an account prior to applying for a loan.

Because of the difficult times we are in, some lenders on the list may temporarilysuspend their loan operations. If you happen to write one that is not taking applications, theymay write back to you and let you know. Unfortunately, some lenders will not bother to reply.Don't get discouraged! Just write to more companies. PERSISTENCE PAYS OFF!

TYPE YOUR REQUEST LETTERS AS EXPLAINED ABOVE

It is our sincere hope that you will follow the instructions contained in the information in thisreport so you can obtain the funds you seek. The enclosed list of lenders are continuallybeing updated and corrected. Due to the uncertain financial times we live in, occasionally oneof the recommended lenders will temporarily stop making loans, or will merge with anothercompany. If you happened to find a situation of this type, we would greatly appreciate yourcooperation in letting us know about it so we can update our report.

USEFUL INFORMATION THAT MAY HELPYOU IN OBTAINING YOUR LOAN

Completing the Loan Application

A creditor who approves your application for a loan wants to make sure he is going toget his money back. Lenders are not charities. They are trying to make a profit from lendingyou money. To insure them against loss, they employ a complex series of scoring andappraisal systems. While this system may be fine for the people who fit the desired profile,what about those who don't yet who in their own estimation can be expected to repay theloan on a monthly basis? In this case, they may need to adjust or shape the applications sothey fit the profile of a "good risk".

It is assumed that you have carefully looked over your financial situation and areconfident that you can make whatever new payments for which you apply. Creditors seekapplicants with a stable and steady income. However, even more important is the knowledgeof your ability and willingness to repay. That is why your credit history must make a goodimpression.

You must carefully present yourself and your credit history. You can answer theapplication questions so as to convince the lender that you really do fit within the limits of theirapproval. You must impress a creditor with your sincerity, stability, dependability, and with yourability to repay the loaned amount, even though you may not fit the standards required of theaverage borrower.

The scoring system used by creditors are not only consideration reviewed in granting aloan. Creditors leave themselves some leeway in making a final decision. They can override alow score on an application and grant a questionable loan. With a little work, you canovercome a banker's initial reluctance and get the credit you desire.

Never lie on your application. While you might consider it helpful, lying on yourapplication may have drawbacks down the road. A number of the items on an application canbe verified, and discrepancies will often cause automatic denial of a credit application. Whilereviewing applications, creditors will be able to double check information contained in yourcredit report. Your employment and salary can be verified by telephoning your employer. Bankaccounts you list on the application are also easily checked. If you lie on an application forcredit and later are forced to declare bankruptcy, you may not be able to discharge thosedebts if the creditor finds out why they were granted under fraudulent conditions.

Despite the risks, some people continue to lie on credit applications. If the personmoves around a lot they may list their permanent address as that of a parent, relative, or afriend. They may also stretch the length of time at their current residence, usually because itisn't checked. If an applicant has a cooperative employer or business friend, they may givethemselves jobs they don't hold, inflated salaries, or stretched lengths of employment. Whenthe creditor calls to verify the information, the debtor's friend vouch for the lies.

Another way debtors inflate their salary is by establishing dummy corporations. Thethen issue themselves private stock with an inflated value. On applications they then list thisstock as part of their net worth. In many instances a bank will accept this information astruthful, having only verified the existence of the corporation with the state authorities.

Knowing how the bank will review the application, you stand a greater chance ofgetting the loan approved. If you leave some information out and a creditor is satisfied withwhat he does have, Why volunteer it? On the other hand, you will want to include all theinformation that will make a favorable impression on the creditor. Appending a sheet ofadditional information to the application cannot hurt your chances of being approved, andmight even help sway them in your favor.

Begin by establishing a good foundation prior to your application. Here are several things youcan do to make the approval of your application more certain:

1. Establish a telephone in your name. This will give the creditor the impression that you aresettled in the area. If you cannot afford a new installation, you could "borrow" the number of afriend or relative. Have the phone company list your name along with their name in the listing.Make sure they are willing to field any phone calls for you. You could plan to state that yourtelephone number is unlisted. However, most creditors will require a home and work telephonenumber from you before they approve your application. This will help them to find you if anyproblems arise.

2. If working more than one job, list the highest paying on as your primary employment.Usually, that's the one that requires the greatest level of education and skill. The income fromyour second job can be listed under "Additional Income".

3. Clearly state the purpose of the loan. If the loan is for the purchase of expensivemerchandise, you may be required to sign a lien, securing repayment of the loan with thephysical merchandise. This protects the lender to a small degree, making it possible for him torepossess the items should you fail to repay the loan.

4. Know how well a creditor will receive your request. Some lenders a maintain a lists ofpositive and negative reasons for requesting a loan. Positive reasons include borrowing foreducational expenses, to pay for major medical treatment for you or your family, a small loanto help you establish new credit, home improvements, a vacation, and loans for the purchaseof cars, boats, homes, and real estate investments. Negative request for loans might includedebt consolidation, loans to cover a down payment for something else, cash loans that will belent to another party, money for a speculative new business venture, loans to pay a fine orpenalty.

If you study your status before making an application, and truly believe that a creditor will turndown your application on the first inspection, prepare in advance to meet and refute everyobjection the creditor will present to approving you request. Clarify and lengthen yourresponse to questions where it's needed. Don't let your application fail only on its initialinability to meet the standard credit scoring requirements. Make sure you have a goodexplanation for every negative point that appears.

Soften objections to your request by having a ready reply. Show that your situation isnot as bad as it may appear. If you have not maintained a permanent residence in the samelocation for more than one year, demonstrate that each move was made to improve yourfinancial earning power as a result of your improved financial status. You want the applicationto appear positive. However, don't blatantly mislead the creditor.

Here are a few remarks on some of the basic application questions. Consider yourindividual situation and how these factors would color your chances of getting a loan requestapproved.

Number of Dependents- The bank will use this figure to determine your cost of living. If youhave numerous dependents, you will be required to demonstrate that you have a largeenough income to support them and repay the loan. Don' count anyone as a dependentunless you are supporting them.

Home- Home ownership is more favorable than renting. However, if you rent you may be ableto show that you have more disposable income than if you owned your home, therebyincreasing your ability to repay a loan. If you owned your home fewer than three years, youmay be considered no more stable than if you were a renter. Be prepared to account forwhere you have lived and why. Show that you are a stable part of the community.

Employment History- If you have changed jobs often, your application will be negativelyreceived. However, if you can demonstrate that each job change was better than the last andthat it increased your salary and improved your position, then it will not be as detrimental.

Present Financial Status- Even if your income from your primary job is low, if you candemonstrate that you have additional sources of income and that you spend your moneywisely, having a surplus at month's end, you will have a greater chance of being approved.

WHAT TO DO IF YOUR APPLICATION IS DENIED

If you were turned down for credit, do not give up. Be persistent. The Federal ReserveBoard list 20 reasons that you may have been denied credit. You are entitled to know thereasons you were denied credit. The creditor must disclose why you were turned down.Generally, the reason will be listed on the letter that you receive denying you credit.

The list below may help you anticipate what might come up. Prepare to meet thesepossible excuses in advance. If you go in knowing what you might confront, you can be wellarmed against any possible negative response your application might create.

Credit application incomplete Insufficient credit referencesUnable to verify credit references No credit fileInsufficient credit file Insufficient incomeDelinquent credit obligations Unable to verify incomeInsufficient length of employment Excessive obligationsUnable to verify employment Temporary employmentInadequate collateral Too short a period of residenceTemporary residence Unable to verify residenceGarnishment, attachment Bankruptcyforeclosure, repossession We do not grant credit to any applicantOther, Specify on the terms you request

If you are denied credit and decide to appeal the decision, check and see what thelender's policy of appeal is. The re may be a specific process through which you must go.Follow this process carefully. If they have no specific guidelines, speak with the people youdealt with previously. You worked hard to develop that relationship. Capitalize on it.

An appeal is most often made in two steps. First, meet with the creditor if possible.Fully discuss the reasons your application was denied. Ask how you can qualify for the loan.Second, submit the revised application for approval.

Find out exactly why your application was turned down. Explain that you know you arecredit worthy. Don't be antagonistic or negative. Be friendly. Get specific answers about whyyou were denied credit. What actions could you take that would help get your applicationapproved?

Make any necessary changes and resubmit the application. Make sure you send thecreditor new information on which to base a review. Try hard to provide everything they needto know, while at the same time making yourself appear in the best possible light. Include acover letter with the resubmission of your application. Address it to the lending officer who hasbeen handling your account. Directly refer to the specific reason you were given for denial.With the new data you have collected, show how there should be no reason for denial now.

If your application is refused even after an appeal, try a different creditor. Eachcreditor is different. You could be turned down at one bank, but accepted by another with nohesitation. Carefully choose a creditor that you think has less strict credit requirements. Or goto one in your area that has been actively advertising for new customers. When advertising fornew borrowers, many creditors loosen requirements. Apply to several before you give up.

If your credit application has been denied, many creditors will offer you a secured loan.A savings account is a long favored method of securing repayment of a loan. You can use anexisting account against repayment of a new loan. Of course, the savings will have to bedeposited with the institution making the new loan, and you may not be allowed to drawagainst the principal. However, if the lender has assurance that his money will be repaid, hewill approve the application. What you choose to offer as collateral against your loan is limitedonly by your imagination. Examine your current assets and determine which the bank willprefer to accept as collateral.

Many times, a co-signer can be of invaluable help. Co-signers are folks withestablished credit who voluntarily agree to become responsible for the repayment of the loanshould you default. These are usually relatives. Creditors know that a co-signer does not wantto ruin his or her own credit rating, and would be careful to repay the loan if a problem shouldarise. You won't need a co-signer on all loans. However, there are times when you might.Once you have gotten a first loan and established a good credit rating by paying it back, yourfuture need for the co-signer will diminish.

Locate someone who would be willing to co-sign your loan. Someone with establishedcredit who trusts you and is willing to take the risk. Most likely candidates are relatives, closebusiness associates, and long time friends. A co-signer must fill out a loan application just asyou did. However, the bank may have dealt with them in the past or their strong credit historywill likely allow the loan to move through the process rapidly.

After six months to a year, request that the lender remove the co-signer from the loan.Contend that by this time you have demonstrated your ability to repay. Show that yourcircumstances have improved to the extent that you could now qualify for the loan without aco- signer. This will relieve the co-signer of a burden and will help you establish an even bettercredit rating with your banker.

DEALING WITH BANKERS

A good way of increasing your chances for loan approval is by having a goodrelationship with a banker. Having a good contact at a bank will help you build your credit withminimum hassles. Your friend can give you helpful information, guide you step-by-step, andhelp you look your best. He or she will also take a special interest in your application so itstands out from the rest and gets a little personal attention. They may also vouch for yourcharacter and integrity with the lending officer so that your application is approved. You'll learnmore about credit, receive better service, and will get the credit you want if you develop afriendly personal relationship with your banker.

If you have been a customer at your current bank for many years, then it is more likelythat you can get a loan there. By being a customer for several years you will have establisheda record of stability. Long time customers generally receive better treatment than newcustomers. Before you go to any bank or lending institution, even one where you have acontact or to which you have been recommended, call up and ask what types of loans arecurrently available. Know what the current percentage rates are. Know the basic informationbefore you ever meet with the banker.

Once you have a recommendation, make an appointment to meet the officer at hisbank. Having a recommendation puts you in a much better position than if you walked in cold.Dress conservatively for your meeting. If you are male, don't wear a suit if that doesn't fit yourprofession. On the other hand, don't dress in dirty work clothes either. Be neat, clean and wellgroomed. Don't try to shock the banker. Women should follow the same rule of thumb; don'twear ostentatious jewelry or overpowering perfume. Always dress in a business like andconservative fashion. Don't bring anything along that might distract or annoy the lendingofficer, such as children, pets, or packages.

You will only need one meeting to determine if you want to apply for credit and openyour account at the new bank. If you don't have an excellent credit rating, take out a smallloan at the bank you have chosen- secured by a savings account if possible. This will allowyou to build the bank's trust in you. With their confidence increased, it will be easier for you toqualify for a larger, unsecured loan. Make sure that all your applications are routed throughyou contact, and that he or she will be helping it along.

Do you belong to a credit union? Credit Unions are usually more eager to lend youmoney, and their rates of interest are often lower. Because you are a member, owning aportion of the institution by having purchased shares when you joined, you will be treatedmore favorably. Credit unions often offer special rates on specific loans-computer purchases,new cars, home improvements, etc. If you are a credit union member, call them and requestinformation on special loans they may be offering.

CREDIT SCORING

Credit scoring is a method of assigning point values to the various items of informationincluded in your credit application or on your credit report. The values are then combined anda final score determined. The scoring system was devised to help creditors apply a fairstandard to all loan applications, and to help them more easily determine who is less likely torepay a loan.

There are many different scoring methods. As we pointed out, not all creditors use thesame system. One may look at your information and reject your request due to a low score.However, another creditor, using a different set of parameters, may score you high enough toapprove your application. The credit scoring system allows a creditor to reduce costsassociated with reviewing your credit application. Knowing the statistical probability of howlikely the applicant is to pay his debts, a credit manager can easily determine whether or notthe institution should take the risk of lending money to that applicant. By eliminating thoseapplicants who statistically have been shown to be bad risks, credit scoring can cut down onbad debt losses and the high expenses of collecting from borrowers who are behind in theirpayments.

The equal Credit Opportunity Act prohibits discrimination on the grounds of race,national origin, sex or marital status in granting credit. The age of an applicant cannot bescored in such a way so that it denies credit only on that basis. Likewise, simply because aperson is of a particular ethnic background, is male or female, or is married, single, or divorced,he or she cannot be denied credit solely for that reason. If the person possesses the financialability to repay the loan, the institution must extend that credit to him.

Credit scoring systems are designed for creditors by specialized research firms. Oldapplications that were approved by banks are reviewed. Each of the questions on theapplication is studied in an attempt to determine to what extent that information figured in thesuccess or failure of the loan. The examiner assigns various point values for the differentpossible answers to each question. A base score is determined as the lowest value that willassure the greatest chance of successful repayment of the loan. Theoretically, no one whoscored below this value on the application would be approved. Thus, if the creditor rejects allapplicants who fail to score higher than the base number, there should be few, if any, failuresto repay.

While creditors rely heavily on credit scoring, there is a gray area that allows a lendingofficer to override the score and to pass an application based upon his personal judgement inan individual case. Many creditors realize that the point scoring system may pass over creditworthy applicants, so every effort is made to fairly determine the viability of a loan beforerejecting it.

If you feel that you have been denied credit because of the inherent biases of thescoring method used in reviewing your application, work with your lender to get the credit youwant. Remember, he wants to extend a loan and make a profit for the bank. You must workwith him to prove that you can and will repay the money that you borrow.

HOW YOUR APPLICATION IS SCORED

How is a credit application scored by an institution? What weight is given to theindividual sections of the application? Listed below are the categories that lenders consider inreviewing your loan application. Read each one and consider your own case. How would youscore? What can you do to improve your chances of scoring higher? Getting approved meansmaking sure that the lender is assured that he will be repaid.

Length of Residence- how long have you lived in your present home? The longer the better.You want to be thought of as stable and reliable. A long stay adds points. Although this mayunfairly discriminate against the young and upwardly mobile, it lets the lender know if you aremore likely to remain in your present situation and be around to repay the obligation. Manylenders have systems that give high points to recent moves tied to career advancement.

Home Ownership- Owning your home, either outright or with an attached mortgage, is far andaway the best scenario. Home owners are considered stable, dependable risks. In descendingorder, the better loan risks are: homeowners, renters of an unfurnished apartment, renters of afurnished apartment, those living with parents or other relatives, other situations. No distinctionis made between homeowners who have a large amount of equity in their homes or those whoare deeply mortgaged.

Geographic Location- Credit scoring is adjusted for geographical differences. An institution'sservicing area may be divided into many categories.

Length of Employment- As with length of residence, the longer the better. Creditors wantapplicants who have a steady, secure source of income. Holding the same job for many yearsindicates that the same should hold true in the future. A short length of employment is lessassuring to the lender.

Occupation- This is difficult to assess. While it seems that the occupation of the borrowerwould be a good indicator of his or her character, there are many different ways to make theclassification of employment under the scoring system is somewhat subjective. The officerreviewing the application must determine into which category a job falls. A certain job maythen be assigned a lower score by one reviewer than by another. Therefore, it is not surprisingthat according to some systems, higher points are awarded to self employed professionals,retirees, or to employees of large corporations.

The best scoring occupations, from top to bottom are: teachers, accountants, engineers,business executives, supervisors, dentists, pilots, laboratory technicians, farmers, clericalworkers, civil service workers, nurses, pharmacists, newspaper employees, policemen, firemen,military officers, railroad workers, skilled technicians and equipment operators, sales clerks,salesmen, bus and truck drivers, janitors, mechanics, contractors, carpenters, plumbers,electricians, tenant farmers, lawyers, self-employed businessmen, unskilled factory workers,cooks, painters, miners, retirees, free lance artists, musicians, barbers, students, nurses aides,cab drivers, common laborers, housewives, restaurant, hotel or amusement park employees,lower level military personnel, bartenders, farm hands, and welfare recipients.

Age- Older is not always better -until you reach 40. From there on the older you get, the morepoints you receive. Under 25 and through the mid 30's are the lowest scoring ages. Anyoneunder 25 gets low marks. But there again, this is the group that usually has no proven credithistory. Young people have trouble getting and establishing credit. People in their 30'sgenerally have lower incomes but higher expenses; trying to buy a home, raise severalchildren, and establish themselves in their career. This is when people are most likely todeclare bankruptcy. Thus, bankers watch this age bracket carefully.

Income- The higher the income, the more points your application will earn. It's only logical.However, middle income applicants are often less likely to repay a loan than lower incomepeople. The real key to determining repayment viability is to determine the amount ofdisposable income a person holds and the overall stability of his or her income. Those figuresare more difficult to obtain and to verify, so many lenders are more inclined to base theirjudgement solely upon gross income.

Telephone- Having a home telephone in the borrower's name indicates stability. Not having atelephone can look suspicious. Some systems give more points for more than one phone.

Age of Automobile- The later the model of car you own, the higher you score. If you do notown an automobile, you receive a low score. The designers of credit scoring are unsure whythis category is a good indicator, since you would initially think that owning a new car meansmore debt, and thus less likelihood of repayment. However, this is a good standard ofjudgement.

Number of Dependents- Having between on to three dependents scores you high because itmeans you have a certain level of responsibility and stability. However, having more than threedecreases the number of points awarded. If you have too many you will lose points. It isbelieved that too many dependents strains the budget and makes it difficult for you to repay aloan when there are so many other demands on your budget.

Citizenship Status- Non U.S. citizens get negative points. It is impossible for creditors tocollect anything if someone flees the country. However, banks also realize that most non-citizens are meticulous about repaying their obligations.

Bank Accounts- Having both checking and savings account gains you points. Not having anyaccount is very suspicious. You can amass more points if you have your accounts with thebank where you apply for the credit.

Knowing how a bank or finance company will score your application, will enhance yourchances of obtaining the money. So before you apply, study the system, and rate yourself;you will then know where you stand and what adjustments you need to make before you handin the application.

POINTS SYSTEM SCORING

AGE

18-21 - 0 Points22-25 - 126-65 - 2

YEARS AT PREVIOUS ADDRESS

Over 6 - 3 pointsOver 3 - 2Less than 3 - 1

MARITAL STATUS

Married - 2 PointsSingle -1Separated -1Divorces -1Widowed - 1

CREDIT HISTORY

Previous loan at bank you are applying at - 5 PointsPrevious loan at another bank - 4Savings account at bank you are applying - 3Checking account at bank you are applying - 2Checking account at another bank - 1No previous loan experience - 1

DEPENDENTS (Including yourself)

One to Four - 2 PointsFive to Six - 1Over six - 1

OCCUPATION

Professional, Executive Supervisor - 5 PointsUniformed Government Employee* - 4Skilled Government Employee* - 3Unskilled - 2Part-time - Home worker - 1*Depends on Government Branch

LIVING FACILITIES

Own-no mortgage - 5 PointsOwn-mortgage -4Rent-Unfurnished -2Rent-furnished -1With parents -1**Some banks now consider this a better risk and allow 2 points.

TOTAL MONTHLY INCOME*

Over $3001 - 6 Points$2251 to$3000 - 4$1501 to$2250 - 3$901 to $1500 - 2Under $900 - 1*Point system can vary geographically

YEARS AT PRESENT ADDRESS

Over six - 4 PointsFour to six - 3Two to three - 2Under two - 1

YEARS WITH EMPLOYER

Over ten - 5 PointsSeven to ten -4Four to seven - 3Two to four - 2Under two - 1

MONTHLY RENT OR MORTGAGE

Over $750 - 1 Point$500 to $750 - 2Under $500 - 2

MONTHLY EXPENSE(Excluding rent or mortgage)

Under $300 - 3 Points$301 to $600 - 2Over 601 - 1

TELEPHONE

Listed in applicants name - 1 PointNot listed in name - 0

The above chart is for a non-collateral, signature loan. If your spouse is employed and signsthe application, add her earnings to the monthly income. A score of 18 points will qualify youfor at least $5,000 payable in 24 monthly installments at most banks. The bank will take intoconsideration your ability to repay the loan based on your total monthly income from allsources, considering your present outstanding monthly installment obligations.

YOUR CREDIT REFERENCES

In House Records- Your application will be examined next to the institution's own in housecredit records. If you have previously established a good record with them, it will earn youpoints. If your report is negative, you will have points taken off.

Credit Cards- Points can be awarded if you have existing credit cards. Always a major creditcard such as a VISA, Master Card, American Express, Diner's Club, or Discover card are betterand give more points than smaller department store cards. Oil company cards don't oftengenerate much excitement.

Current Bank Loan- A current bank loan will give you positive points.

Finance Company Loans- Having a loan with a finance company can only hurt you. The moreyou have had, the more negative points you will accumulate.

Credit Report- Negative items on your credit report will generate negative points against yourapplication. The more negative items, the more your score will be reduced.

Inquiries- You will receive negative points for any inquiries on your credit report that did notresult in a new account being added to it.

You can get that new loan you desire. There are many lenders who would like to grantyou anew loan. However, you will have to do your homework in preparation for the applicationprocess. Knowing where you stand financially, you can meet any questions that might arise.Carefully prepare your application and be ready to "sell" yourself as a trustworthy credit risk.You can do it. The information that we have presented should help you to prepare yourapplication so that it will appear in the most favorable light possible. Get ready. Make yourapplication. And watch your future grow.

ADDITIONAL PERSONAL LOAN SOURCES

Write to each on of these companies with the provided cover letter.

International Funding Frank B. OwenBox 402 Star-2 1378 Beacon St.Worcester, MA 01613 Brookline, MA. 02146

IWS Inc. David SamaraBox 186 68-44 136th St.Merrick, NY. 11566 Flushing, NY. 11367

Schockley Financial Srvc Grayco Associates66 Overlook Terr. 405 Sunset Dr.N.Y, N.Y. 10111 Johnson City, TN 37604

Guaranty Capital, Inc. Alvin R. Warren16345 W. Dixie Hwy. #314 610 Cardwell St.Miami, Fl. 33160 Elizabeth City, NC. 27909

Amoco Credit Corp. ValmartBox 9014 Box 480Des Moines, IA 50306 Prospect Heights, IL 60070

Credit Thrift Financial Corp. Pace Financial Assoc.601 NW 2nd St. Box 782Evansville, IN 47701 New Ulm, MN, 56073

The Marigold Co. & Assoc. Central Financial NetworkBox 268547 RR 2 Box 84Chicago, IL 60626 Tilden, NE. 68781

Diamond Intnl. Assoc. RLW Enterprises8322 W. Little York Rd. 3624 Briley St.Houston, TX. 77040 Houston, TX. 77040

Transcap Financial Group Myers Financial Service8125 Sunset Ave. # 227 5780 NE St.Fair Oaks, Ca. 95628 Springfield, OR. 97478

East Coast Funding Group Inc. B&B Financial Services4001 Kennett Pike Dept. TX-9422Suite 134 2143-B Coliseum Dr. #154Greenville, DE 19807 Hamptom, VA 23666-5962

Universal FinancialP.O. Box 54434Anderson, OH 45254

This publication is designed to provide accurate and authoritative information in regard to the subjectmatter covered. It is sold with the understanding that the publisher and the author are not engaged inrendering legal, accounting or other professional services. If legal advice or other expert assistance isrequired, the services of a competent professional should be sought. The author specifically disclaimsany personal liability, loss, or risk incurred as a consequence of the use, either directly, or indirectly, ofany information or advice presented in this material. We have done our best to be as thorough andaccurate as possible with the names, address, and phone numbers of each lender and the amount ofmoney they will lend. We are not associated with any of these financial institutions mentioned. Therefore,we receive no compensation from any of these institutions for approval or turn downs from loans. Ourgoal is to give as much knowledge as possible concerning borrowing procedures so you can get a loanas quickly as possible and at the best rate possible for your individual situation.

PREMIER WEALTH STRATEGIESALL RIGHTS RESERVED 2000