Question:
I have noticed over a period of time people have mentioned not good credit to get the

financing necessary as a self pay. I heard people mention they "do not have the credit". I have not advertised my business, nor spam...but I would like to my our services available to any AMOS FRIENDS with a discount only. I have visited this site for over 8 months 2-5 times a day. If I can help anyone fix their credit to achieve their WLS I would like give any AMOS MEMBER a $75. discount for couples and $40. for singles. GOOD LUCK TO ALL MY FRIENDS HERE AT AMOS...I AM WAITING FOR MY SURGERY DATE!!!!!! WWW.SECONDCREDIT.COM    — Patricia C. (posted on November 28, 2000)

November 28, 2000
It was easy to fix my credit, and I had to in order to purchase our house. All I did was get a free copy of my credit report (everyone can get one free copy once a year from a written request sent to TRW). I then went over my credit report and looked for any late marks. Then I called any vendors that showed late payments, discussed why I was late (or made up an excuse), and had them remove the mark. 9 out of 10 vendors cleared the late marks, 1 couldn't as it was too long ago for her to change, but wrote me a letter instead, saying I no longer have bad credit with them. (and viola' you have instant good credit again) To get good credit, you must build it up, (unfortunately) this means either finance a purchase (i.e. a car), or apply for a credit card. Even if the card has only a $500 limit, if you charge something and pay it off, the company reports that you have paid in full, and your credit limits keep going up. You can also get free credit counseling, as listed in the telephone book or as seen on TV if you are behind in payments. But you can also speak directly to the vendor and request an alternative payment plan if you are behind. Get the free report! Everyone should know what is on their credit report, and stay on top of it at least once a year to be sure there are no false reportings!
   — Karen R.