Now to create a small miracle - getting three banks to state that your credit is "AAA" and place this on your credit report. Make sure you choose three banks that have PASSBOOK accounts. Go to bank 1 and ask for the smallest personal loan they allow - usually $1000. Tell the loan officer you do not want the money - you are simply trying to establish credit. You would like the money placed in a passbook account in their bank. They hold the passbook so the account is collateral for the loan. Your loan is 100% secured so there should be no problem. Do the same thing at bank 2 and 3. You now have three loans and three passbook accounts. Just make sure you try to get all three loans on about the same day so that your loan applications can honestly say you do not have any other loan obligations.

In three weeks, make the first payment on each loan. Three weeks later make the second payment on each. At this time your payments have freed up a proportionate amount of your passbook accounts which you can now withdraw. In three weeks use this money to pay the third payment on each. Withdraw the amount freed up and in three more weeks make payment 4. Continue doing this until the loans are paid in full. In about 90 days from the origination date of your loans you will have made four payments on all loans, all payments made early and you are even one payment ahead on each. Ask your banks to post your payment history on your credit report if they have not already done so. You will then have three banks listed on your report, all showing perfect credit with them. These references alone should be enough to get you nearly any credit card you want.

You now have excellent credit. Use it wisely, and guard it with your life, using the following information...