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:  http://abacusmortgageloans.com/GuaranteedPersonaLoan.htm

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: 
http://www.abacusmortgageloans.com/GuaranteedPersonaLoan.htm
Guaranteed or your fee is refunded!

Back to the order form Click Here

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 $29.95 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.
A note on the legality: While it is perfectly legal to sell information about lenders, but it is illegal to offer someone an actual loan, say for $25,000 and then tell you to send in several hundred dollars for some kind of insurance or other fee. We have a notice posted on our web site as a warning about this type of scam.

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 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: 
http://www.abacusmortgageloans.com/GuaranteedPersonaLoan.htm 
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. We had our phone number listed on our web site before and got over 800 calls a day. We just could not handle it. Most of the calls were questions that are answered here. They told us it would happen but we tried it anyway. We couldn't get any work done for answering the phones and putting people on hold. 
Folks getting mad because they were on hold. It was horrible!
If you look around, most Internet companies do not publish their phone numbers. For the same reason. 
We give good service and that's a fact! 
If you question is not answered here, 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. I your credit is not bad, 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 $29.95. 
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.

What do I get?  Go 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,  Free 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. Just close this window and order.
For just about the cost of a carton of cigarettes your life could be changed.

 One Year Membership!


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Go to the order form: Click Here