Credit Repair Expert
Seattle Bellevue Everett Tacoma Kent
Meet David Murphy

 

From: David Murphy
Credit Repair Specialist and President of American Advisory Associates

Dear Friend:

In just a moment, I'll tell you exactly how you can quickly, easily and inexpensively force your credit rating to climb by dozens or even hundreds of points... and almost instantly earn the low interest rates and preferential treatment previously enjoyed only by the "FICO Elite"

 

  • No matter how many negative and derogatory items you currently have on your credit...
  • No matter how long you've suffered under crushing medical bills...
  • No matter how bad, nasty or financially damaging your divorce...

I Guarantee a Dramatic Increase in Your Credit Rating or I'll Pay You Just For Wasting Your Time.

My name is David Murphy and I'm a hotly sought-after credit repair expert and guru. Every day I'm called on by mortgage brokers, real estate agents and hard working honest everyday citizens to use my absolute mastery and encyclopedic knowledge of America's credit reporting system to arm them with the unfair advantage they need to save thousands or even hundreds of thousands of dollars in interest on everything from homes to cars to real estate investments to business loans and more.

But it wasn't always that way. Once upon a time I was just another sufferer in the FICO Frenzy.

Back in 1989 I was a 21-year old fundraising consultant in Lake Forrest Park, Washington. I'd just quit my cushy job and decided to start my own business.

And I was excited.

This was it. This was me grabbing the bull by the horns and living the American dream. This was me taking control of my life and building something better for me and my family.

So just imagine how I felt when this self-important doofus of a banker picked up his rubber stamp, looked me in the eye and told me that my application for a Small Business Loan - a loan I needed to get my new company off the ground - had been turned down.

"Your credit rating doesn't meet our standards" he squeaked at me. "We feel that you're too much of a risk."

He smirked a little.

And then he slammed the stamp down with a THUD. Big red letters right across the front of my application: DENIED.

How'd that make me feel?

I Felt Shocked And Ashamed - And I Was Mad. I Swore Right Then And There That I Was Going To Get the Real Skinny On America's Credit Rating System. And That I'd Never Be Embarrassed Like That Again.

Colleagues Rave and Clients Breathlessly Report the FICO boosting results that changed their lives almost overnight.

Credit Totally Repaired
"Never in my wildest dreams did I think that you could totally repair my credit but you did!! You were worth every penny and more. Thank you so much. I've been able to refinance my home, buy a new car and get new credit cards, all because of your hard work. Thank you again."
- Dianne Cumberland

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Impressive Results
"Thank you so much, David. I am completely impressed with how many negative items you've been able to remove from my credit report."
- Rachelle Farrar

Perfect Credit Rating
"David, I want to thank you so much for your dedication and hard work. I was obviously really excited when I received a perfect credit rating!!!!
I will continue to refer friends to you and am extremely happy with the quality of your professional services."
Jennifer Kube

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First Ray of Hope
"I wanted to write you a note after one year working with you. It makes me feel so good that you're taking care of my messy credit. It's been on my mind since my divorce 3 years ago and you've given me my first ray of hope since then.

I know there's definitely more work to do, but I feel great knowing that you're doing it."
Barbara Rich

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Dave's Service Works
"Dave's service absolutely and positively works. If you need to repair your credit, call Dave Murphy."
A satisfied customer

All that excitement? Drained right out my toes. The American Dream? Never felt further away.

It wasn't easy (this was before I realized the power of the Fair Credit Reporting Act - more on that later), but I managed to call in a few favors and get a copy of my credit report.

And what I saw? It just pissed me off more.

An unpaid collection that should have been paid in full by my old health insurance company. A couple of late pays on my American Express Card. A barely overdue bill from Leo's Car Stereo in California.

Back then I had no idea this stuff was showing up on my credit report.

i had no idea that these little tiny mistakes-mistakes I made when I was sick or when I was between jobs or when I was just too young and dumb to know better-could keep me from getting the loans, the low interest rates and the big opportunities I wanted. I had no idea that even a few derogatory items on my credit could just about ruin my life.

That was in 1989. I wised up fast and for the last 17 years I've had...

Absolutely Perfect Credit

Or at least as close as you can legally get. Despite a vicious divoce, medical problems and all the ups and downs of live, my credit score has stayed absolutely pristine.

Why? Because I walked out of the bank that day on a mission to make sure that our abusive credit reporting system could never hurt me, my family or my friends ever again.

I've spent the last 17-years uncovering every dirty little of the credit reporting industry and digging up every technique you can legally use to quickly and permanently boost your credit score.

  • I tracked down the hidden giants of the credit industry-the guys who make the big bureaus quake in their boots and made them an offer they couldn't refuse. (In fact one of my mentors sued TRW-now one of the big three reporting agencies-for MILLIONS of dollars for their unethical and downright sneaky methods and inaccurate reproting... and won. You can bet I look down every little secrets in his playbook.)
  • I traded notes with the best in the business-guys who made a career and a lifestyle out of keeping FICO's long shadow from ruining more dreams. (If they could have listened in our late-night conversations, collection agency honchos would fly into a petrified rage.)
  • And most of all, I learned the stuff the credit agencies don't want you to know. I learned about consumer rights-what you can and can't do when it comes to your credit and what the big bureaus and agencies are requred to (but are often too lazy to) do when you contest an item on your credit report as being inaccurate, obsolete or non-verifiable.

The results? Drastically and dramatically boosted credit scores, lowered interest rates and a better lifestyle for me, my friends, my family and everyone I've worked with for the last 17 years.