Credit problems are rampant in the United States. More and more Americans are getting into more and more debt. Consumer debt levels are at an all-time high. With increased debt inevitably come increased credit problems. Missed payments, late payments, collections, and in extreme cases, bankruptcy or foreclosure. With credit problems come lowered credit scores. Low credit scores, along with dinged credit, are the root of most credit denials, increased interest rates, and exorbitant finance charges.

Take the case of Frank Bruno. In 2002, he had his share of credit problems. Undaunted, he went to apply for a mortgage to purchase a home. Fortunately, he was able to secure an approval. The catch? He qualified only for a subprime mortgage because of his low credit scores. A subprime mortgage is a mortgage for people with low credit scores, high debt ratios, and a host of other criteria that normal mortgages can’t risk. Because of the increased risk that lenders take in issuing subprime mortgages, the loans come with higher interest rates and fees. The bottom line is that Frank, and others like him, was forced to accept thousands of dollars per year in additional interest because of his low credit score.

People in similar situations as Frank’s often become desperate. In desperation, people will listen to almost anyone with a solution to their problems. Unfortunately, “almost anyone” is almost always a scammer or other high-priced and high-risk scheme. Frank’s loan officer, for example, referred him to a credit repair agency that charged around $500.

In situations like this, who can you ask for advice? Real estate agents- they sell homes, not counsel on credit. Loan officers? What about credit repair agencies? It depends. Some have insider knowledge or sources that might be able to help you. Most, however, will perform services for a fee that you can do yourself for free. Sometimes, they’ll just take your money and run. Either way, it’s a gamble, and you’ll end up paying for it.

Frank was extremely resourceful, however. While his subprime mortgage was being processed, he took it upon himself to fix his credit and boost his credit score. With Frank’s loan closing looming, he needed to raise his credit score fast.

Incredibly, not only did Frank raise his credit score quickly, he raised it high enough to change his loan terms. He boosted one of his scores by 40 points, literally, overnight. He raised another one of his scores a mind-blowing 86 points in only 12 days. Even his loan officer was astonished. With the increased scores, he was able to save over $650 per month in interest charges.

With his house closed and his savings pocketed, Frank accomplished the seemingly impossible. Fortunately for the rest of us, he didn’t stop there. The methods he discovered were so powerful that he felt the need to educate the public on how to raise their own credit scores in the shortest possible time.

Low credit scores handicap even the most virtuous among us. Low credit scores can keep us from obtaining credit- everything from car loans to credit cards to mortgages. Even if approved, low credit scores will bring higher interest rates and fees. Frank didn’t want to see that happen to any more people than necessary.

So Frank created a website www.DisputeDemon.com which provides 2 unique resources available to consumers and real estate professionals. Online Credit Tip Videos and Credit Dispute Software (Dispute Demon). Frank’s 2 resources combined have been known to help consumers dramatically improve their credit report and raise their credit scores 250+ Points.