Everyone has a credit story… What’s yours?

When I started working on HT Credit Solution six years ago, I was overcoming my own disastrous story, and working through the process of repairing my credit. I had realized after fixing my own credit, that others needed access to these tools. Specifically, you need access to the information I had.

I went thru a divorce and was ready to move on with my life. My credit score was in the tank. I had a hard time even qualifying for an apartment lease. My mother told me about HT Credit Solution. I bought the book and within 4 months I was house shopping! I would recommend your book to ANYONE!!! Julie A., Jackson, MO

Your story may feel like an overwhelming mess right now, but I want to share with you, that there are laws protecting you from bad credit reporting practices.

Whether you’re stuck in the mire of a relationship that left you in the financial hurricane of bankruptcy and overwhelming debt, or unexpected medical expenses, foreclosure, and just a mass of bad personal choices… there is a solution. You don’t have to remain stuck in the mire of this horribly bad financial results. Your credit can be repaired and you can overcome the disaster that has befallen you.

Your Credit Score Can Improve.

But why would you take it from someone who also went through the bad credit?

scales of justiceBad credit can happen to anyone. Literally!

Before the crash of 2008, I worked in finance, finding ways to help people get approved for loans, an expert on personal credit. I learned how to legally maintain the highest possible FICO score.

I would recommend the ebook HT Credit Solution to anyone and everyone! I had a 560 with no hope and in about 3 months my score went up almost 90 points and I was able to refinance my adjustable rate! Todd R., Tyler, TX

Let’s get right to the point here…

There is no easy way to shorten the process, or easy fix for actual bad credit. But there are laws protecting you from bad reporting. And even more… There are laws that allow you to get a solid grasp on what is wrong and use that knowledge to rebuild your credit score.


The information of which I speak is common knowledge in the lending and credit industries but has been hidden from most Americans. And I’m going to let you in on the big secret!

Credit Bureaus & Banks Prefer You NEVER Discover These Laws.

The three major credit bureaus—Experian, Equifax, and Trans Union—maintain files on nearly 90 percent of all American adults. Those files are routinely sold to credit grantors, landlords, employers, insurance companies, and many others interested in the credit record of a consumer, often without the consumer’s knowledge or permission. On balance, each Bureau averages $145 per year on each credit account they have on file.

My bad credit history has haunted me for years. Thanks to your ebook, I just got approved for a new car loan! I can’t wait to pick it up. You guys are the real deal! Thank you!!!!! Bill D., Victorville, CA
Several studies since the early 1990s have documented sloppy credit bureau practices that lead to mistakes on credit reports—for which consumers pay the price. Consumers with serious errors in their credit reports can be denied credit, home loans, apartment rentals, auto insurance, or even medical coverage and the right to open a bank account or use a debit card. Consumers with serious errors in their reports who do obtain credit or a loan may have to pay higher interest rates because the mistakes falsely place them in the sub-prime, high-cost lending pool. We In 2004 The National Association of State PIRGs conducted a study in which they asked adults in 30 states to order their credit reports and complete a survey on the reports’ accuracy. Key findings include:family home

  • Twenty-five percent (25%) of the credit reports surveyed contained serious errors that could result in the denial of credit, such as false delinquencies or accounts that did not belong to the consumer;
  • Fifty-four percent (54%) of the credit reports contained personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
  • Twenty-two percent (22%) of the credit reports listed the same mortgage or loan twice;
  • Almost eight percent (8%) of the credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer;
  • Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but remained listed as open;
  • Altogether, 83% of the credit reports surveyed contained either serious errors or other mistakes of some kind.


States have long taken the lead in protecting consumers’ privacy and ensuring the accuracy of credit reports. In 1992, Vermont was the first state to pass a law providing a free annual credit report on request, followed by Colorado, Georgia, Maine, Maryland, Massachusetts, and New Jersey. California adopted other comprehensive reforms in 1994 and later became the first state to require disclosure of credit scores. Congress eventually followed the states’ lead, adopting some credit reporting reforms in 1996 and criminalizing identity theft in 1998. In December 2003, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). With the FACT Act, the financial industry won its primary goal: permanent preemption of stronger state credit and privacy laws. The FACT Act also included several modest consumer reforms, borrowing from state laws already enacted, including the right to a free annual credit report on request. Although these consumer reforms came at the unacceptable price of a state’s right to protect its consumers, the law includes a number of provisions designed to enhance the accuracy of credit reports. Despite recent federal action, we need to do more to protect consumers’ financial privacy and ensure the accuracy of credit reports.

However, there is hope. You don’t have to settle for paying more in interest, or not having the best home or car possible.

Hi there, I just wanted to say thanks for the major credit improvements I am seeing so far. I can now walk into a car dealership with the confidence I can actually buy something if I choose! What a difference a year makes. Working with HT Credit Solution has changed my outlook. I’m so glad I decided to purchase the book! Susan D., Carlsbad, CA

You can improve your personal credit score in an honest, ethical and legal fashion – as long as you comply with the laws and statutes that govern our credit reporting and scoring system.

So here’s the deal…

You need to know how to repair your credit and maintain as close to perfect a FICO score as possible. Since I already knew how to help other people repair their credit from working in an industry where that’s an important part of bringing people into the system, I knew I could repair my own credit issues. And I did. But I could do the same thing for others!

While I was doing that, I realized that not everyone had that opportunity, but they SHOULD have the same opportunity I had. So, I wrote this book, and packed it full of all the details, the templates, and the specific steps that each person would need to take to improve their credit scores and develop better credit ratings. And I’m making it available to anyone who has a desire to improve their credit scores.

Your Credit Score is Gold

This book can change your life. 

Because inside this book, I’ve included all the information necessary for you to fix your credit, improve your credit score legally, and maintain as high a score as possible on the FICO. I’ve included everything that I currently use myself to help you improve your credit rating.

I just learned that my credit report problems are all taken care of. What a relief. I would recommend you to anyone facing this kind of problem. It is embarrassing to think about, but I learned a lot during this process. Thank you again! Thomas B., Alamogordo, NM

Let me tell you this… 

If I were to personally teach you everything in this e-book, it would probably take 8 to 10 hours; and my time is billed at $250/hour. Conservatively, that’s 8 hours x $250 per hour, which comes to $2,000.

But you won’t invest anything close to this amount for HT Credit Solution. Not $1,000… $500… or $250. For only $25.99, you’ll be armed with all the information you’ll need to turn the tables on the credit bureaus and big banks.

So, exactly what do you get in the HT Credit Solution book?

The HT Credit Solution book includes more than 230 pages of clear, concise content, with everything you need to sort through your credit reports, find the problem areas, and address the issues currently keeping your credit scores low, your costs of financing high, and your dreams of home ownership, driving nice cars, and living the life you choose out of the picture. You deserve better.

Discover these details –

  • Specific steps you’ll take to rebuild your credit in the shortest possible time.
  • How to LEGALLY repair your credit and maintain your good credit score.
  • Solid understanding of why creditors and banks don’t HELP you repair your credit.
  • Critical details about bankruptcy and credit score connections.
  • Legal methods of removing court judgments from your credit history.
  • Basic strategies to remove collection accounts from your credit report.
  • How and when working with an attorney is necessary for managing negative credit items.
  • Specifically what credit cards will help rebuild your credit.
  • How to capture good credit information that should be in your report, but is not.

But I don’t want you to just take my word. Let me share with you, exactly what four of my Credit Reparation Clients have said about using my book:

Raising my credit score was not easy. I know you see a lot of unusual circumstances, but mine was not the norm. The book helped me overcome so much! I tell anyone who is shopping for your kind of service to look not farther. HT Credit Solution is the only place to go! It is the least I can do. Thank you so much! Carlos R., Escondido, CA
I am very happy with your ebook! The pricing was fair, and the information made a world of difference to me. I just refinanced, consolidated some bills and we are also doing some much-needed remodeling. None of this seemed possible before working with HT Credit Solution. Thank you and I wish the best for you. Gloria F., Reno, NV

Since working with your ebook – we are now in a new HOME! This is amazing to us since me and my husband thought we would be renting for years to come due to both of our bad credit scores. It wasn’t easy, but we got where we needed to qualify. Thank you very much for giving us the direction and freedom to live better lives! Van B., Portland, OR
I want to thank you for helping me in correcting my situation with the credit bureau. My credit score is 45 points higher already. My credit score was in the medium percentage rating to start, but I wanted it higher. Your book did not disappoint. I’m looking forward to seeing how much we can increase my score. Many thanks! William P. Flagstaff, AZ

The key thing you’re getting here, from me, in my book, is whole content, real information you can USE to improve your credit. And more importantly, maintain it.

With a copy of the paperback book, you’ll be able to use this information anytime you need it. The templates and form messages are created to help you present basic outlines of actions that need to be taken in every instance. You’ll be able to use them anytime you need them.

Not all Credit Repair Programs are Created Equal.

You’ve probably noticed the number of FREE Credit Repair services lined up on any search engine if you went looking for an app, or program to solve your credit problems. They’re not all created equal, and in most cases, they’re just flat out wrong. On many occasions, I’ve read them, gone over their steps, and even attempted to review them, but in every case, I find missing steps, details that just don’t measure up, and incomplete information. your credit score is gold

Four essential elements of any credit repair program include:
  1. Details exactly how personal credit score systems work.
  2. Provides information about what can (and can’t) be removed from your credit history.
  3. Includes the most current laws, statutes, and requirements regarding credit reporting processes
  4. Contains ethical and legal step-by-step directions necessary to improve and manage your personal credit score.

HT Credit Solution meets or exceeds these four criteria.

HT Credit Solution gives you the big power to change your own credit score dynamic and empowers you to maintain your credit score at the highest possible FICO levels – LEGALLY.

With higher credit scores, your interest rates are lower, and you’ll be able to –

  • reduce those high insurance rates.
  • save more money for college funds and retirement.
  • purchase a better home.
  • buy the new cars you’ve always wanted, at lower interest rates.
  • you’ll be able to take control of your financial situation and maintain the lifestyle you choose.

Higher Credit Scores can impact your income in a positive way, putting more money back in your pocket.

Your Credit Score is GoldFor instance:

Saving just 2% on your auto loan each year can be as much as $23 a month, or $276 a year on one car, on two vehicles that is $552 annual savings, and the same percentage on your home loan offers annual savings of $2800 with a simple increase of 50 credit score points. How would this kind of savings impact your life?

If you’re simply putting that savings into the bank, at compounded interest, you’re ahead of the game just three years down the road. Your credit score matters.

Click on the link below to purchase your copy of HT Credit Solution.

Buy Now


My guarantee to you –

While I cannot guarantee your results, due to the do-it-yourself nature of the book, and the fact that it is fully dependent on you, what you do with the materials, and how well you apply the materials to your personal credit and financial situation, I will assure you that the most current laws and statutes are included in my book at the time of publication, and there will be updates as they become available either as Reports, or Other Publications, when I have knowledge of these changes. I will assure you that I’ve taken every possible precaution to insure that this book, and the additional materials available with it in the future, will be current to the best of my ability.

I could give you all the materials and tools you need to build a house, but I cannot guarantee you will build it right, so… there is no money-back guarantee.

P.S.  To recap, your credit history could determine if you get hired for a new or better job… or not. It also factors into the rates you pay for a car, home, and insurance. Poor credit can cost you a lot nowadays… don’t wait, order HT Credit Solution today. And if you require further proof of my bona fides, here is a snapshot of my credit journey these last couple of years, using the precepts in my book.


I don’t want you to just take my word for this. There are plenty more testimonials on my Testimonial page. Click on the link below and you’ll be able to read all current testimonials on this book.
rob ludwig