TESTIMONIALS FROM MEMBERS

"It never occurred to me until I read your articles that you could sue the collection agency and/or attorney for FDCPA violations. The small investment of $39.95 was the best deal I've encountered in my life. Not only have I erased almost $50,000.00 in credit card debt, I made money to boot. The only thing stopping anyone from repairing their own credit by civil suit is fear of the unknown." Mark via email.

"I don't ever want to lose this website. It is the most wonderful, helpful site for us debtors. Thank you so much. I must say your site is the GREATEST, DON'T EVER GO AWAY. You have helped so many people by informing us as to how to defend ourselves. A lot of the information you give, I never knew. I have had to use it to help myself and my niece. We had to go to court and won thanks to your website. Tell Kristi and her staff to keep it up, there are more people out there that don't know." Caroline H.

"I can testify how well settling your own debts are. By far the most effective and in expensive way to handle your own debts. I have been working with these same debt settlement methods for almost four years, I was "drowning in debt" after suffering with, and ultimately losing my wife to a terminal illness. The 3 1/2 year medical costs, treatments, and final bills were enormous. However not wanting to file bankruptcy, I was able to negotiate virtually every debt and am now seeing the end results: Complete and final end of indebtedness with a CLEAR conscience!! I can never thank Carreon and Associates enough for all of the assistance you have provided to me. Your advice and encouragement assisted me beyond measurement!! Thank you ever so much, and GOD Bless You All." Dusty P.

" Thank you! Your site has proved most helpful over the past few years - I don't know what I would have done without the knowledge I've gained from you." Susan M. via email.

"I am not done, but just wanted to let yall know of success I have had with this ebook. I have gotten rid of over $5000.00 in debt and have raised my credit score by 120+ points. This is definitely the best $30 I have ever spent!!!" Cory via Member forum.

"I just wanted to take a moment of your time and tell you how wonderful you are! I received a copy of my credit report (after 12 yrs) and I could not believe the errors in it -19 Negatives! From late notices to charge offs and collections, but after finding your website I was able to delete and change 12 of these within one month!!! I have told several friends about you and I hope you stick around for decades, a very sincere thank you!! You literally saved me more than 50 thousand dollars in all!" Darrell via email.

"This was the best $29.00 I ever spent! Before I found you on the Internet, I felt like a victim because I didn't know anything about credit laws, collection agencies or credit Bureaus. It all seems very foreign and almost overwhelming. Now (in only a short time) I am getting a handle on it. I am learning a lot and have the beginnings of a plan. I feel more in control again and it is a very good feeling. Thanks! I really appreciate your site." Margaret via email.

"I truly love your inspirational website for us who are dumbfounded with the law and statutes today. Your website gets an "A+" and is placed as one of my favorites. I will pass your website onto my friends of interest. Thanks a million!" ReEtta via email.

"I am not done yet, but just wanted to let yall' know of success I have had with this site. I have gotten rid of over $5000.00 in debt and have raised my credit score by 120+ points. This is definitely the best $30 I have ever spent!". Corey via discussion board.

"Hello and thank you. I must admit that I had some reservations about tackling my credit disposition. But with your book and letters of direction I have successfully corrected and removed several negative credit report issues. But I must admit the credit bureaus often do not read my correspondence. A second letter of request may be needed at times. Just one more item and I feel I will be back on track. Thanks to Kristi for wonderful reading ideas and honest direction." Sincerely, George-Florida via email.

" I don’t recommend many Ebooks, but this is one I recommend you get if you have credit problems and/or problems with collection agencies. This book provides many secrets that will help you to understand how to improve your credit rating and stop harassment from collection agencies. It also provides excellent advice on debt negotiation. Don’t negotiate with a collection company until you have read this book." Author, GoodCreditNews.com.

" Wow - meticulous, thorough, powerful! What a wonderful book you offer. I am impressed beyond words. Thank you for what must have been millions of hours of hard work to provide this info." J. Anderson via email

" You guys are great! It's about time we have a helpful website like this." Dawn, via email.

"The information contained in this site has been the catalyst which allowed me to face a BIG fear after six years. Thank you." Susie via email.

"This program really works. My credit score went up 40 points in the first 30 days by using your education and guidance. Many thanks, Corey".

"I ordered the E-book and taught myself to repair my own credit the right way!" Dave M. CA.

"I used the guide for a little over 30 days. I removed, on my own, 5 negative debts without spending more than a few stamps. Thanks!" Theresa D. ID.

"I've bought a lot of books on the web but yours was the best because it had facts and was written in laymen's terms. I loved it!" David Z. TN.

"I had a collection agency coming after me for over 3 years for the same old debt. I was so intimidated that I almost paid it but decided to order your book first. I found out that the Statute of Limitations had expired and used that in my defense. I haven't heard from those nasty guys in over a year! Forever thankful," Jerry W. TX.

" I know I could pay a credit repair company to correct my credit for me but after reading the simple techniques in the book like the verification and validation process, I decided to give it a whirl myself. I am glad I did because without having to pay anyone, I removed 11 items from my credit reports!" Tonya M. CA.

"I found your sample letters for the credit bureaus and collection agents to be invaluable especially for under $17.00. I probably saved myself the worry of putting someone else in charge of my credit and a lot of money!" Judy C. TX.

"I actually bought this ebook for my brother, who had a repossession and was having trouble qualifying for a car loan. He said he used the book along with the letters and the validation process and got the REPO removed! Thanks for delivering what you offer." Julie S. PA.

"I felt compelled to email you because I am so relieved and sincerely appreciate the book you offer. I have been dealing with my horrible credit issues since my divorce 3 years ago. I had tried to pay a company to do it but they did very little. I am sorry now that I did not find you sooner because after only 6 weeks of letters, validating and simply waiting- I have had 11- count em! 11 items removed for maybe the price of a few envelopes, stamps and paper. I refer to your member area often for your updates and to relearn credit repair. Thank you for everything!!" Gail B. CA.

"My husband was hurt and lost his job and our credit became a disaster. We bought your e-book and have eliminated about 60 negative entries between the two of us!" Kim A- CA.

"Hi! I just purchased your ebook --"Getting The Credit You Deserve" and I must say it is awesome! My question is, is it available in hard copy? I'd love to buy copies from you, to backend along with my book. Please let me know. Thank you." Author, Louis- WA.

"Kristi, first off, let me say that I loved the information from your book. My girlfriend and I read the book together and have become completely engulfed by it. She and I are just in the beginning phases of our credit repair process. Once again...GREAT BOOK...and all information is greatly appreciated :)." Thank you-Michael-TX.

"Thanks for the site. I was able to improve my credit score by 170 points after purchasing your book." Joe S., Jackson FL. via email.

"Dear Carreon & Associates: I am so pleased with your member area that I had to write you and let you know. I have wasted hundreds of dollars on website credit repair kits etc. and everytime, I am disappointed at what I received. What a happy surprise to enter your member area and find not only a well designed easy to use site but many many credit repair tools. I appreciate everything you guys do to help people like me." Bette Joe-via email.

"Hello There: I was skeptical to subscribing at first but just to let you know the info you give is very helpful and AWESOME!!!! ~tricha- via email.

"Hello there-- well I used some of your sample letters and they are working great so far also your support team is great, your company is an asset to the community. Thanks," Rick.

"I have just subscribed to your website and purchased your e-book. I am elated to have such a wealth of information at my finger tips! I assist people with credit issues and have encouraged everyone to not only visit your site but to purchase the book. The resources provided by your organization gives the everyday consumer powerful tools/tips thereby arming them with knowledge when they encounter (more often than not) problems with the Big 3 Bureaus & affiliates (make that 4 thanks to your info). Keep up the good work in consumer credit advocacy!" Denesa via email.

"This is a great service you offer. I really appreciate the information. I have cleared up a lot of errors and significantly improved my credit and credit score. THANK YOU -- THANK YOU -- THANK YOU" Fox D via email

"The collection firm is going to delete everything from all 3 bureaus! I am jumping for joy! No lates, no charge off and no settled in full. I think that this should kick up my credit score some. Thanks for a great website and your willingness to help good people take care of bad situations. I am using one of the letters today to settle an account and after a long discussion with this collector and having him finally understand that if he wants the money he has to do something for me. Remove all evidence of this account on my credit report. With the information I learned from your site I am much more in control and I let them know that. He figured out that he would rather have money than hurting my credit. I keep having my friends sign up for membership here. Keep up the good work and thanks for the ebook." Rob via email.

"Thanks again, and like others, I'm glad that I subscribed...your site and support has been great." Robert via email.

"Kristi, I love your book!!!! It has been a GREAT help!" George via email.

"I’ve been in the process of fixing my credit, thanks to your very helpful site and ebook. Keep up the good work!". Marina via email.

"I greatly enjoyed your website and I will recommend it to everyone I know!" Thank You, Allan via email.

"Thank you for your honesty. That is a rare and valuable quality in our consumer driven society. Thank you so much for your integrity. I must say I am very impressed." Sherri via email.

" I've spent years burying my head in the sand regarding my credit; I'm finally ready to deal with it and your book and site are full of ways to do so - thank you. Thanks again for a wonderful site and resource to help us all through this tangle." Tania via email.

" Thank you for all the information you have made available on-line, this is truly the best site there is." CSW via email.

"Thank you so very much for the information on your site. I have a collector threatening lawsuit on a debt last paid Jan. 97, and thanks to you I know about the SOL having expired (CT res, debt from TX). I can rest easier! A thousand blessings upon all who contributed to this wonderful site!" BD via email.

"Thank you very much. I love being a member, I have gathered some very helpful information." Verron via email.

"You should feel good. You are making a difference in peoples lives and you should be proud of that! Knowledge is power...and the credit people have had too much. Thank you for help in turning the tables". R.A. Via email.

"I really appreciate having your site as a resource. I am now a professional working at a Fortune 500 company and I cannot ask my associates the questions that I've asked you. I will always be a grateful member of your services." Joy via email.

"I am very satisfied with your service. I have purchased other services from different organizations but your company's is the best. I can find almost everything I need from your web site. Thanks a million!!" P.S. Via email.

"We received a message through our hotline that your website is offering advice on how the consumer can get out of paying their debts. We consider that defrauding the creditors. After reviewing your website we agree with the hotline caller and we have added you to our website. All the creditors have a right to know you are providing a service that could defraud them." Chow Chin, www.reportdeadbeats.com.

"You have a fantastic site here. I have been reading everything for about an hour and I want to say thank you so much. We do not have much money and I believe that your site will help us avoid an unjustified debt that we are not responsible for. I am so grateful for your site. Thanks so very, very much!" Shannen via email.

"I just want to say thank you for your informative website. It helped me a lot. I was having trouble in deciding whom I should write to about my problem and you helped me by stating and even giving me the Federal Trade Commission's address and suggesting the State Attorney to contact. Thanks." G.Y. Via email.

"What a superb informative product you have here. I bought it with much hesitation (after purchasing three other similar products that were pathetic) and to my surprise it was more than I could have hoped for. What a ton of information you provide. Thank you so much for delivering what you promise and exceeding my expectations! I will tell everyone about your product." Dave S.- via email.

"I am a Mortgage Broker with a lot of customers with credit blemishes. I have always tried to help them fix their credit issues but often don't have the time or sufficient knowledge to complete it. A client referred me to your site and I paid to become a member and WOW! I printed out everything and refer to it often to help close more loans for my subprime clients. I was unaware of many of the topics you covered. Grateful and impressed!" Randy Cunnigham, Rally NC.

"Thank you. You all are angels sent from heaven. Definitely the best investment I've ever made becoming a member." Barbry via email.

"What a great site you have provided for us in need, thank you!!" Brian.

"I cannot begin to tell you how satisfied I am with your product. I was skeptical because I purchased 2 prior self help services and was very disappointed but when I purchased yours, I was pleasantly surprised and Wowed! I am grateful there is this service to help take the enormous task off my shoulders. Thanks again." David.

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