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Hi Score
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- 9 Million Americans Have Their Identities Stolen Each Year
- 79% of All Credit Reports Contain Errors
- 35% of Americans Have Cedit Scores Below 600
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 Do you know your credit score?
35% of all Americans have a credit score below 600! Scores can range from 350-850. That means all but a few of our fellow citizens have good credit. Americans are facing catastrophic financial problems and until now, there has been no solution. 
In the past, bad credit was reserved for the seedy underbelly of society. However, more and more of us, our friends, family, and neighbors are falling prey to a system that is set up to make us fail. The failings can be due to a multitude of reasons including: inflation, the economy, the ever-growing complexity of the US fiscal system, credit card companies enticing consumers to live above their means, and identity theft thieves which affect 9.3 million American annually.
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What is a person to do?
Declaring bankruptcy to remove unwanted credit issues is now inadvisable due to the advent of the new bankruptcy legislation.
To serve the marketplace of people with low FICO scores, Hi Score, Inc. is proud to announce its revolutionary and easy-to-use Hi Score Credit Repair Kit.
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How It Works
The Repair Kit - Fill out the form below to get your Hi Score credit repair kit. The Hi Score program will help you improve your credit score and save thousands on your home mortgage, car loan or credit card debt. The Hi Score Program consists of the following:
 The program has been tested, proven and guaranteed to be successful within 90-days or your money back. 
A step-by-step instructional two-disk CD ROM program, guides you every step of the way, and gives you everything you will need to raise your FICO store.
The Hi Score Credit Repair Kit Download set consists of:
 CD 1: On CD 1 you will find step by step instructions of what you need to do to contest and remove incorrect entries from your credit report. As you are probably aware, incorrect entries such as credit cards or debt obtained through identity theft can significantly and negatively impact your credit score without you ever knowing what the problem is. The instructions are written by our team of experts and legal professionals who have successfully corrected their customers' credit records and improved their credit scores. The services that these professionals charge are upwards of $1,500 dollars. Now you can benefit from their experience and do the same in the comfort of your own home for a fraction of the cost. Improving your credit score could mean thousands of dollars of savings on interest on your home mortgage or a car loan. The savings are worth it even if you pay professionals to take care of it for you. At $19.95, our do-it-yourself kit is a truly a wise decision that will save you money on the biggest purchases of your life — your home and your car.
 CD 2: CD 2 is a companion to CD 1. It contains all of the necessary forms you will ever need to contest and eliminate incorrect entries on your credit report. Simply follow the instructions on CD 1 for a particular category, and fill out the appropriate form. CD 2 contains over 40 forms, which cover all of the error-correction requests you will ever need. With our proven and tested forms, your interaction with the credit companies will be easy and yield positive results.
Our Guarantee
Hi Score INC are so confident that you will find our product useful in correcting your credit information and successfully improving your credit score that we back our product with a 30-Day, money back guarantee.
If you are not completely satisfied with the Hi-Score product, you always have 30 days from the postmark date on your shipment to return the product for an immediate refund of your purchase price (less shipping & handling).
To obtain the refund, please send the Hi-Score CDs along with the CD cases back to us at the return address found on your shipment, and write "PLEASE REFUND." The refund will be posted within 48 hours of the receipt of your shipment to the credit card account you used to purchase the Hi-Score product
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Why Hi Score?
Why is my credit score so important? - Banks, lenders and credit card issuers use the credit score as a universal means of assessing your credit risk and credit worthiness. The credit score is calculated by the three major credit reporting bureaus (TransUnion, Experian and Equifax), and is a reflection of several factors, including your past payment history, on time payment record, amount of loans you have, etc. When your credit score is high, lenders are willing to issue loans to you at lower interest rates. And the lower the interest rate, less money you will pay in interest on your loan. On a big purchase like a car or a house, relatively small reductions in interest rate could mean thousands of dollars in savings to you. In addition, some people with excellent credit scores can even qualify for a no money down mortgages.
What can I do to contest entries on my credit report?
There are three common ways to repair your credit report:
- hire a lawyer
- hire a credit counseling company
- do-it-yourself.
Hiring a lawyer can be extraordinarily expensive at rates of over $300 per hour. Hiring a credit counseling company typically costs upwards of $1,500, and can be risky as there are many credits counseling companies with shaky reputation which make big promises, but in reality just take advantage of customers without delivering real results. That is why the Federal Trade Commission has issued a consumer warning on this topic and has strongly suggested to consumers to adopt a do-it-yourself approach. The issue until now has been that there were no comprehensive resources as to what exactly you need to do as a consumer to correct your credit report.
How can Hi Score help in contesting entries on your credit report?
To assist individuals in correcting potential errors on their credit report, Hi Score Inc. has developed a step-by-step program with all the necessary forms and applications. By using the Hi Score program, you could correct your credit report and significantly increase your FICO score within 90 days. So how do you do it? All you need to do is follow these four simple steps:
- Obtain a free copy of your credit report by going to www.freecreditreport.com
- Identify errors on your report
- Listen to the tutorial on CD1
- Contest the errors by filling out appropriate forms and mailing to credit bureaus
Hi Score INC huge library of "Easy-to-Use Forms and Letters" will make your correspondence with credit bureaus quick, concise and simple. These forms and letters have been developed, tested and proven by legal professionals who have successfully repaired credit on behalf of their clients for significant fees.
So don't delay. The tools for you to take control of your credit are here. They are affordable and easy to follow. Act now — you could be saving thousands of dollars on your mortgage or car loan by making a small investment in the Hi Score Program.
Facts & Figures
Get credit card savvy or get fleeced - FTC Article Dated: August 26, 2002
According to a recent study by Nellie Mae, a national student loan financing organization:
- · 83% of undergrads have at least one credit card
- · The average credit card balance for college students last year was $2,327
- · The median debt increased by 43%.
- · If a student charges $2,000 on a card with 18.5% interest, and pays a low minimum monthly payment, it would take over 11 years to pay off the debt and cost an additional $1,934 just in interest -- almost double the cost of the original purchase.
Ovation Law
- · 79% of all credit reports contain errors
Kiplinger's Personal Finance
- · 69% of Americans own their own home
- · Avg. Monthly Mortgage Payment $1,197.00
- · 15.8% of monthly income devoted to mortgage, CC debt, and car leases
- · 50% of credit card holders use less than 30% of their available credit limit
- · 48% of the cardholders have balances less than $1,000.00
- · 10% of cardholders carry a balance more than 10,000.00
- · 2 out of 10 consumers have had at least one 60-day late, on a credit obligation
- · Average household save only 1% of their disposable income annually
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Why should I repair my credit?
Nowadays, with identity theft rampant and possibility of data entry errors it is a high probability that your credit report contains entries that do not belong to you. Incorrect items on your credit report will negatively impact your overall credit score which in turn will cost you thousands of dollars of interest when you get loans for your car or house. The better your credit score, the more favorable interest rates you will receive from the banks and lenders, which means direct savings to you.
Why is my credit score so important?
Banks, lenders and credit card issuers use the credit score as a universal means of assessing your credit risk and credit worthiness. The credit score is calculated by the three major credit reporting bureaus (TransUnion, Experian and Equifax), and is a reflection of several factors, including your past payment history, on time payment record, amount of loans you have, etc. When your credit score is high, lenders are willing to issue loans to you at lower interest rates. And the lower the interest rate, less money you will pay in interest on your loan. On a big purchase like a car or a house, relatively small reductions in interest rate could mean thousands of dollars in savings to you. In addition, some people with excellent credit scores can even qualify for a no money down mortgages.
How can I repair my credit report?
There are three common ways to repair your credit report:
- hire a lawyer
- hire a credit counseling company
- do-it-yourself.
Hiring a lawyer can be extraordinarily expensive at rates of over $300 per hour of work. Hiring a credit counseling company typically costs upwards of $1,500, and can be risky as there are many credit counseling companies with shaky reputation which make big promises, but in reality just take advantage of customers without any real results. That is why the Federal Trade Commission has issued a consumer warning on this topic and has strongly suggested to consumers to adopt a do-it-yourself approach. The issue until now has been that there were no comprehensive resources as to what exactly you need to do as a consumer to correct your credit report. With the Hi Score Program being released to the market, the guesswork is over, and everyone has affordable and easily understandable and practical tools to repair their credit.
Why do-it myself?
Hiring a reputable credit counseling company to assist you in correcting your credit report could cost you upwards of $1,500. However, there are many firms that make big claims but do nothing to help you. Hundreds of thousands of dollars in fees are lost each year by consumers choosing the wrong credit counseling company. For a substantial fee, these credit counseling companies claim the ability to repair your credit with a snap of a finger. Unfortunately, many of these companies are a fraud or shaky reputation at best - they do nothing to improve your credit report and disappear with your money. The Federal Trade Commission (FTC) puts out a brochure titled, "Consumer Tips: Self Help May Be Best". In that article FTC strongly recommends that consumers not take the risk of hiring someone and save their money. They further suggest that consumers educate themselves with the repair process and take the responsibility of repairing their credit into their own hands.
Is credit repair legal?
Repairing incorrect items on your credit report is perfectly legal. In fact, the credit reporting bureaus encourage it because it usually helps them detect fraud. One thing you cannot do however is remove negative comments from your record if they are accurate. Here's the official word directly from the FTC: "No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or NO cost." — Federal Trade Commission
What is your refund policy?
We are so confident in the value of our product that we offer a 30 Day, money back guarantee. We believe that you will use our product for years to come, continue protecting your valuable credit score, and therefore save money on interest However, if you are not completely satisfied with the Hi Score Program, you can return it within 30 days of the postmark date on your shipment, and we will promptly issue a full refund to you (less shipping and handling).
How much does bad credit cost?
Most people are not aware of just how much a bad credit score can impact the interest that they pay on loans and credit cards. Unfortunately, bad credit does cost you real money. You can use the examples below to get a better understanding of what your credit score may be costing you.
Buying a home
The cost of bad credit is most evident and most expensive when a large ticket item is being purchased. For most people, that is the purchase of their dream home. Here, a bad credit can really hurt you. If you have poor or bad credit score, you will end up paying between $66,000 and $99,000 more in interest than if you had an excellent credit score (that is approximately $2,000 to $3,000 of interest per year that can be saved by simply correcting your credit score). Here's an example on a $200,000 mortgage paid over 30 years to illustrate this.
Example: $200,000 house mortgage paid over 30 years:
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Credit status
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Interest rate
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Monthly payment
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Extra interest paid
over the 5 years
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Excellent
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7%
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$1,331
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$0
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Poor
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9%
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$1,609
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$66,140
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Bad
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12%
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$2,057
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$99,019
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Buying a car
If you have bad credit and have obtained a loan to purchase your car, your interest rate will be much higher and you'll end up paying $3,000 to $6,000 more in interest than you would have if your credit score was good. This added interest shows up every month in form of a higher monthly payment. The example below illustrates this on a typical $25,000 car loan paid over 5 years.
Example: $25,000 car loan paid over 5 years:
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Credit status
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Interest rate
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Monthly payment
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Extra interest paid
over the 5 years
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Excellent
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8%
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$507
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$0
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Poor
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12%
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$556
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$2,952
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Bad
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16%
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$608
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$6,062
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Credit Cards
Consumers with bad credit in most instances cannot obtain the prime credit cards. These are the cards with reasonably attractive interest rates, payment terms and credit limits. So, consumers with bad credit are typically relegated to so-called "sub-prime" credit cards. These cards typically require exorbitant setup fees (or recurring monthly fees), offer very low credit lines, often require cash deposits, and in most cases do not report your positive credit activity to the credit bureaus.
Is it possible to remove bankruptcy?
Any negative listing can be removed from a credit report if it is erroneous, questionable and disputable. However, negative items such as bankruptcy and unpaid debts are more difficult to remove from the credit report. This is primarily due to the operational systems of the credit bureaus rather than with the severity of the bad credit item such as bankruptcy or unpaid debt. For example, judgments and tax liens are also severely negative listings yet have been considerably easier to remove.
Does paying off past-due accounts neutralize their negative status?
Unfortunately the answer is no. Once-delinquent, past-due accounts still show up as severe negatives even if they have subsequently been paid off. It's important to note that credit reports don't just show your current credit situation, but they also show what your credit situation has been in the past. Therefore, past delinquency, collection activity or a charged off listing does a great deal of damage to the credit score even if it was paid off.
Does bankruptcy wipe the slate clean for a second chance?
The bankruptcy does appear on your credit record in the court records section. When you file for bankruptcy, every credit account that you decide to include in bankruptcy becomes an "included in bankruptcy" account. Because so many negative items are attached to the bankruptcy, it becomes very difficult to remove all trace of that bad credit.
Do negative items remain listed for at least 7 years?
The law states that negative listings can appear on your credit report for no longer than seven years. In addition, the credit grantor or the credit bureau itself can choose to delete the negative credit listing as they see fit.
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Hi Score, Inc. is so confident that you will find this product useful in correcting your credit information and successfully improving your credit score that we back our product with a 30-Day, money back guarantee.