Good credit is everyone's dream. A wise use of creditcan go a long way. It certainly makes certain goals in life (like acquiringbusiness loan from bank) easily attainable.

But the key question remains: "What does it take toachieve 'Triple A' credit?"

First and foremost, it is important it is critical to pointout where most people go wrong when it comes to their credit and credit report.People with bad credit will usually seek credit repair help. Most would seekcredit expert advice and few will try to do it themselves by purchasing a creditrepair book.

Mainly, the problem is not the type of help you hire, ratherthe assumption you are left with after the whole credit repairprocess. Where most people go wrong is that  once their credit report isfree of any negative entries (or errors), they simply assume thatthey now have an excellent credit. 

That's simply untrue.

In reality, your credit is not bad because you now havemanaged to erase the negative entries that was shown on your credit reportbefore. At the same time, you do not have ' Triple A ' credit either. Unless,you have positive items or entries showing on your credit report.

And the key to a successful credit repair is not just gettingrid-off the negative entries on your credit report, but rather to show-off thatyou have multiple positive entries on your credit report that can buy theconfidence of your bank to loan you their money.

You can find numerous articles dedicated to guiding throughthe credit repair process, but few will discuss further than just repairing yourcredit. Meaning few will tell you (better yet, know about), "How to addpositive entries to your credit report?".

It is very important you understand that, you can repair yourown credit and make it flawless, better than anyone ever could. Today, there isso many help on credit repair help, but not all are legitimate help. And it isextremely important to keep that in mind.

If you want to avoid getting chopped-down by bogus repaircompanies, take the following two statements as an advice that will serve you along way.

1- There is no law available to any credit repair company,expert, or attorney - that is not available to you as the credit consumer.

2- Credit repair companies use the same law made available toyou by congress to repair your bad credit. And they certainly can not change thelaw for their clients.

The above two simple statements might seem obvious, butrepeating them like a mantra can be the difference between getting ripped-offand getting the 'Triple A' credit you deserve.

Back to the main point - "How To Achieve Triple ACredit?"

Here you will learn two powerful and proven ways that willgive you a sterling credit in the shortest time possible - 25 Days. Apply thefollowing two techniques and, guaranteed, you will give your credit a face liftthat would have banks open their check book.


1. A Millionaire's Credit in 25 Days.

Do you have a checking account and a savings account? Good.If you don’t, no worries, these days you can open an account online. Itshould take you no more than 5 minutes. 

You got your accounts opened? Good, now comes the secondphase. 

Phase 2: Now you will need your savings account touse it as a collateral. Now using your savings account ask your bank fora secured passbook loan. 

You can borrow a dollar for dollar with a passbook loan.This type of loan works well with as little as $300, but if you have $10,000 -that’s even better. Once you secure a loan with a passbook you can not touchthe funds until you have fully repaid the loan. 

Remember, you should be able to do with-out these funds for30 days. 

A bank secured with your passbook loan has no risk inlending you money, so any bank should be willing. 

Note:It is extremely important that the bank reports your loans to the credit bureau.Therefore ask your bank "If they report your payment history to the threecredit bureaus?", it is critical part of this whole process. After all, the whole purpose of you doing this is toadd zing to your credit reportwith a very powerful and positive payment history, right? 

Now once you borrow the money, wait 25 days and repay theloan back to your bank. Because you have fully repaid your loan the bank willsend your positive payment history to the credit bureau. 

That's a grand slam!

Now you have the bank as your friend and the credit bureauscan not help it but report your good payment history.



2.HowTo Use $500 - $1000 into A Millionaire's Credit

With let’s say a $1,000 in your account, ask the loanofficer for a 12- month a $1,000 passbook loan. Do not be discouraged, you cancertainly achieve this with less money, but if you can afford to do it don’thesitate. By the time you’re done with this technique - - - well it’ll beall worth it. Just wait and see. 

Since this is a secured passbook loan (meaning, it issecured by the amount of money available in your savings) most banks will notrun a credit check. And if they tried to do so explain it to them why theyshould not as it is secured by the money you already have in your savingsaccount. Which you won’t be able to access until you payoff your loan anyway,so there is no justified reason to run a credit check.

Now with the $1,000 secured passbook loan from your firstbank, open a savings account at another bank with the $1,000 loan received fromthe first bank. 

The request that they give you a $1,000 12-month loan anddo not mention the loan received from the first bank. Wait about a week or two, go to a third bank and repeat the process. 

Next, at one of the three banks open a checking accountwith the $1,000 you received from the third bank. You now have a$1,000 in achecking account and three outstanding 12-month loans at three different banks– for a total of $3,000. 

Deduct your original $1,000 and you need only repay $2,00plus interest.


Note:Make sure that you ask your bank if they have a pre-payment penalty because youdo not want that. 

Finally, about one week later start to pre-pay your threeloans. 

Now you have an advance payment record with three banks andwill have established powerful credit for your credit report. From now on everytype of loan and credit card will be yours for the asking. 

Here you are with un-touchable credit, three big banks asyour future business friends, and a credit bureau reporting positive paymenthistory – all in just under 30 days. 

You just learned about one of the very few techniques thatcan change your credit significantly within a month time. Of course you canapply these techniques for as long as you like and keep improving your credit.Apply these techniques discussed and you will get the Triple A credit youdeserve.

Author's Bio: 

Omar M. Omar is the owner of the website, which is dedicated in providing free credit repair advice for credit consumers