Abacus Credit & Loan  - Personal Loans - Home Loans - Auto Loans                        

Frequently Asked Questions
See if your question is answered here, if not, contact us.

• "Thank you for your rapid solution to my problem."  Doug

• "Thank you SO much for your quick response!  It's wonderful!"   Maureen

• "Hello. Thank you for all of your assistance.  The information I received with your service helped me greatly."  William

• "As a representative of a mortgage brokerage in Connecticut, I very much appreciate good customer service practices.  As a result, I will be referring you many of my customers."  Nick

• "Thank you for your prompt and attentive service. I do appreciate your
  regards and wish you the best." Justin

Contact Us: Click Here
Fast and Easy for $5000 or less Bad Credit Approved  Click Here

1.How do I become a member and what are the advantages of membership?
When you become a member, you get six programs. 
You get a special 1 year access to our "VIP Credit Package"! 
Which includes:
Two lists with Personal Loans, Guaranteed issue - VISA,  E-Book, Instructions on how to buy a home with no money down and no credit check, Instructions on how to buy the car you want with no money down and no credit check, Instructions or kit for credit repair, 2 special reports, Free Vacation, and Money Back Guarantee!
You will receive your information instantly.
Don't put it off, because if you are like most of us you will never find your way back to this information again. 
For just about the cost of a carton of cigarettes your life could be changed.

2. How do I fill out an application?
First you order the package. You must apply on your own to any company on the list.
>>Find our more about it and how to order the Credit Package 
Go to this url:   Click Here

3. I have had bankruptcy can you help?
Most of our customers have bad credit or impaired credit so we associate our company with those who can approve our typical applicant.
Our Credit Package has a list of banks to whom you may apply for a credit card, a list of bad credit lenders for personal loans. Several other products are included in the package. 
The personal loan lenders and the banks all have different conditions, interest rates, and amount to lend.
They can and do change these often and it is not possible for us to indicate their current requirements or other conditions. Some do pull credit reports. 
You must apply on your own to any company on the list.

4. My credit is horrible can you help?
Our company is not a lender and we do not issue credit cards.
We have associations with many large lending institutions and can refer people to various lenders and banks. 
Most of our customers have bad credit or impaired credit so we associate our company with those who can approve our typical applicant.
One of our programs, we provide a Credit Package which has a list of banks to whom you may apply for a credit card, a list of bad credit lenders for personal loans. Several other products are included in the package. 
The personal loan lenders and the banks all have different conditions, interest rates, and amount to lend.
They can and do change these often and it is not possible for us to indicate their current requirements or other conditions. Some do pull credit reports. 
You must apply on your own to any company on the list.
>>For more about Personal Loans - Credit Package 
Go to this url:  Click Here
Guaranteed or your fee is refunded!

5. Are you International or just USA?
We now have the ability to refer you to an  International Loan Broker who charges a fee to get started but they say: "We can usually help people in most of the main countries i.e. UK, most of Europe and South America. We have access to lenders in other countries however we do not get much demand from these countries."  But you have to buy our package first or find them on your own. Look, it took us a long time to find this company and it is our right to charge you for the lists even if there is a broker on the list that also charges a fee. We provide many great free services but we need to make enough money to publish our web site and get the information to you. That is why we charge a fee.

6. I already ordered, where is my information?
If you already purchased this program and are having trouble locating the member page, email us your receipt transaction information and request for member page and we will respond with the information. Or you can send your username and password.  Contact us: Click Here

7. I am having log-in problems, my username and password don't work. How do I log in?
If you have any login problems....
Tips (these are good for many Internet related troubles): 
The Internet sometimes gets weird so here are some time saving tips.
> Be sure you copy or type the entire web address as shown.
> On some ISP's like AOL, Netscape or WebTV you may not be able to click on the link and have the browser open the page. 
If this is the case, you need to copy/paste it into your
browser. (but please make sure that it makes 1 complete web address with no spaces.)
> If you have any trouble accessing the page, you may have to log off and then back on. 
> Sometimes you might need to empty your "cache". That is done by going to the "Tools" section of your browsers task bar at the top. Click there and then select "Internet Options", then delete the "Temporary Internet Files" "Cookies" and "Clear History". You browsing will speed up and you should be able to access any of our pages.
Just email us your receipt (transaction information) and request for member page and we will respond with the information. Or you can send your username and password.  
Contact us: Click Here

8.  I don't have checking or credit card, how can I order?
In order to receive the package, please send a $36.95 check or money order (address below), in order to get the information to you the quickest way, include an e-mail address (print your email address twice in block letters). We will e-mail you the information immediately after receiving the money order.
You will receive the user name and password and url to the member site including the entire Credit Package, 2 lists, the list of Lenders for Personal Loans and the List of Banks that issue Credit Cards... for people with bad credit, or no credit history.

Make money order payable to:
EGM Services, Inc.
P O Box 430
Seville, FL 32190

9.  I can't get past the order page. It won't accept my order. 
What can I do?
When the servers get busy, you can get error messages. We apologize but please try again. If you were trying to pay by phone you may have a 900 block on your phone and cell phones don't work.
When the transaction goes through, you will get an immediate email receipt if you paid by check or credit card.
Please go to this url to apply again:  Click Here

10.  Why do you charge for your service?
We charge for our service in order to keep our website online. We provide many great free services but we need to make enough money to publish our web site and get the information to you. That is why we charge a fee. Look, it is not easy maintaining our lists and it is our right to charge you for the lists even if there is one or more brokers on the list that also charges a fee. 
It is your right not to purchase our product and do the searching on your own for the bank or lender you need for your particular situation.

11. How does this work?
To further explain our service: 
Our company is not a lender and we do not issue credit cards.
We have associations with many large lending institutions and can refer people to various lenders and banks. 
Most of our customers have bad credit or impaired credit so we associate our company with those who can approve our typical applicant.
One of our programs, we provide a Credit Package which has several great credit products and a list of bad credit lenders and Banks to whom you may apply for a credit card,  Several products are included in the package. 
The personal loan lenders and the banks all have different conditions, interest rates, and amount to lend.
They can and do change these often and it is not possible for us to indicate their current requirements or other conditions. Some do pull credit reports.  You can apply right away to any company on the list.
>>For more about Personal Loans - Credit Package 
Go to this url:  Click Here
Guaranteed or your fee is refunded!

If you already purchased this program and are having trouble locating the member page, send us your receipt (transaction information) and request for member page and we will respond with the information.

Your credit situation is unique!
Everybody has a different situation that they find themselves in. 
While similar to others, your particular credit issues are unique to you. 
At the Bad Credit Headquarters, we've accumulated the largest database of 
places for the people with credit trouble. 
For a list of all of our programs go to this url: 
http://www.vipcredit.com

12. Where is your telephone number.
We are a small company. Like most Internet companies we prefer to answer questions via email, by keeping everything in writing, we avoid misunderstandings.
Don't worry, we answer our email fast and keep good communications with you.
We give good service and that's a fact! 
If you question is not answered here, for a quick response Contact us: Click Here

Go to the order form: Click Here

13. What is your privacy policy?
Our Privacy Policy -  Your information will not be kept on file after 6 months. It will be destroyed at that time. We will never sell your information. We do not share ANY of this information with outside parties. To prevent unauthorized access, and ensure the appropriate use of information, we have appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We use return email addresses to answer the email we receive and you have the option to "opt out" of our contact with you in the future. Such addresses are not used for any other purpose, are not shared with outside parties, and are never sold. 

14. What is the interest rate and payment schedule?
Our Credit Package has a list of banks to whom you may apply for a credit card, a list of bad credit lenders for personal loans. Several other products are included in the package. 
The personal loan lenders and the banks which all have 
different conditions, interest rates, and amount to lend.
They can and do change these often and it is not possible for us to indicate their current requirements or other conditions. Some may pull credit reports. 
You must apply on your own to any company on the list.

15. How do I know it will work for me?
That is the hardest because everyone's credit is so unique. But the Banks and Lenders on our lists are used to working with folks with real credit problems. You're chances are better when you know which companies want your business. They want people who have bad credit.

16. Why should I trust you?
We know it is difficult to tell nowadays on the Internet who to trust....
but you will find us very responsive to your needs and emails. We have been in business for 16 years, 4 on the web. We want to help you. We want to provide the best service. We will refund any fee you pay us if you do not get the credit card or loan or whatever you are seeking from our Credit Package.
We also use WebAssured, just click on the WebAssured logo on our web page.

17. Is all of your information public knowledge?
Yes it is! It takes a long time, much searching, and more research to find and maintain this great package of services. If you have the time and resources, by all means go for it, but if your time is important and you want the best information currently available order now. We have done the searching for you, it could take you days or longer to come up with the list we have, quick and easy for a low price. Click Here

18. How many lenders and banking institutions can I expect to be on the lists?
Most companies want to lend to good credit and of them there are hundreds, even thousands. 
But with bad credit, bankruptcy, or no credit it's different. 
You know already that if you had good credit you could go anywhere. 
For obvious reasons, there are not many lenders out there, if there were, you wouldn't need us in the first place. We have the complete listings at this time. We are always looking for new companies to add to add to our lists. 
We try to include any company, lender or broker which might lead you to a loan or the credit you are looking for, even if some charge an additional finder fee, we would rather include them on the list than to exclude them. Offering you the widest choice and greatest opportunity to get the loan you need.
You have the right to view this information for one full year (from date of purchase) at no further charge. 
Your fee was a one time charge and there are no further charges. The number of lenders and banks changes frequently as the listings are updated about every two months or 6-8 times a year. If you ever have negative experience with any of those on the list be sure to let us know.

19. If your credit is not bad, or you don't know.....you can apply now free:  Click Here

20. Bankruptcy should not be a problem with these lenders, unless you have not yet filed and are just about to declare.

21. You will only be charged the one time fee of $36.95. 
Then  you get access for one year. 
We will not bill you again!

22. We want to give you every opportunity to obtain the credit you need
We try to include any company, lender or broker which might lead you to a loan or the credit you are looking for, even if some charge an additional finder fee, we would rather include them on the list than to exclude them. Offering you the widest choice and greatest opportunity to get the loan you need.

23. Our Guarantee
Our Iron Clad - Money Back Guarantee:        
Although it does not happen often, we will refund  your fee because you were turned down, 
if for any reason you did not receive a genuine offer of a loan. 
Just show us you applied at two places or more and were declined and you will get a 
quick and easy full refund of your payment! 

What do I get?  Back to the order form Click Here
You get a special 1 year access to our "VIP Credit Package"! 
Which includes:
Guaranteed Personal Loans, Guaranteed issue - VISA,  Instructions on how to buy a home with no money down and no credit check, Instructions on how to buy the car you want with no money down and no credit check, Instructions or kit for credit repair, Free Airline Tickets, Free Vacation, and Money Back Guarantee!
You will receive your information instantly.
Don't put it off, because if you are like most of us you will never find your way back to this information again. Just close this window and order.
For just about the cost of a carton of cigarettes your life could be changed.

 One Year Membership!
Back to the order form Click Here
Note: Home Ownership is not required!

Free Credit Empowerment Zone
The more you know the better off you are!

Bad credit personal loans are one of the most requested loans in the world. Although you might think home loans or auto loans would be requested more often, the truth is that personal loans, especially bad credit personal loans are high on the list. Because of this, there are many disreputable ways to lose money if you are looking for that type of loan, personal loan with bad credit. If your credit is good, you are less likely to get taken in......this is because there are so many reputable companies that offer personal loans for people with good credit. 

We offer credit cards, personal loans, unsecured loans, high risk loans, loans to people with bad credit, signature loans, home loans, car loans and automobile refinance loans, pay day loans, cash advance loans,
debt consolidation loans and alternative loans specializing in bad credit.

Bad Credit     Good Credit     Horrible Credit

Personal Loans      Guaranteed VISA    Refinance Loan    Mortgage Loan    Auto Loan   Credit Repair    

  Quick $500-$1000    Debt Consolidation Plan


Glossary of Lending and Financing Terms

Questions? 

Contact:  Support - go to our help desk:  Click Here
Because we receive so many emails a day, and have so many different services, 
we may need additional information to find your records and/or to respond properly. 
When you send in your comment, please be specific and if you are an existing member, 
send your member receipt number.  
If we get an a message that reads something like this: "How long will it take?" 
It is hard for us to know who sent it, what it pertains to and how to reply.
Be specific as possible. We get questions about many different services. 
The more information you send the faster everything goes.

__________________________________

Our Privacy Policy  

We will never sell your information. We do not share ANY information with outside parties. To prevent unauthorized access, and ensure the appropriate use of information, we have appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We use return email addresses to answer the email we receive and you have the option to "opt out" of our contact with you in the future. Such addresses are not used for any other purpose, are not shared with outside parties, and are never sold. Your information will not be kept on file after 6 months. It will be destroyed at that time.