<CENTER>HLC & M Financial Services Group <bR></CENTER>

Every American has a right to know the truth.

Education is POWER!

Welcome

to

Houseworth, Lacey, Carter & McAllister Financial Services Group!

Are you ready to learn how the credit system really works?

IN THE YEAR 2000

THIS COUNTRY SWITCHED FROM THE OLD CREDIT SYSTEM

TO THE NEW CREDIT SYSTEM

OR THE FICO CREDIT SCORING SYSTEM.

MOST AMERICANS WERE NEVER INFORMED OF THIS TRANSITION AND MOST ARE STILL UNAWARE OF ITS EXISTENCE EVEN TODAY.

THE STRATEGIES USED TO UNDERSTAND AND CONTROL YOUR CREDIT...AND YOUR LIFE

ARE COMPLETELY DIFFERENT FROM WHAT THEY WERE PRIOR TO THIS UNPRECEDENTED CHANGE.

DID YOU KNOW THAT PAYING YOUR BILLS ON TIME

IS NO LONGER THE SOLE BASIS FOR GOOD CREDIT?

DO YOU KNOW WHAT THE FICO SYSTEM IS REALLY BASED ON?

UNDER THE NEW FICO CREDIT SYSTEM CURRENTLY IF YOU HAVE LESS THAN A 600 CREDIT SCORE

YOU HAVE BAD CREDIT.

CURRENTLY 95% OF ALL AMERICANS

HAVE BAD CREDIT.

SO FORGET ABOUT "WHAT'S IN YOUR WALLET."

FIND OUT AND CONTROL

WHAT'S IN YOUR FICO SCORE.

HLC & M FINANCIAL SERVICES GROUP IS HERE TO

EDUCATE & EMPOWER YOU.

Selecting a financial service company is an important decision. You want an experienced company that's big enough to serve all your needs, yet can also provide individual attention and take the time to answer your questions. That's why HLC & M has developed the Credit Consultation Program. We want to educate you on how the credit system works, how to optimize your finances and we will help you to restore your credit as we educate you.

Our office combines a wide range of financial services with a client-centered philosophy. On this site, we'll provide information about our company and describe the different services we offer. We hope you'll find the information you need, and we look forward to working with you.

How is Your Credit Score Determined?

HLC & M teaches each of our clients exactly how their credit scores are determined, how to achieve greatly omproved credit and how to purchase real estate as one with good to perfect credit. As a client of the HLC & M program your scores will go up substantially and you will be qualified for the best rates for any house, car, land, etc. You will be able to walk into any bank and qualify for a loan. The first step is for you to become very familiar with how your credit scores are determined.

Click the TV below to watch a CBS News video clip about some of the ways your credit score is determined:

Click TV for CBS video on credit determination.

Stay tuned to the HLC & M Program to learn more.

Can't see the TV?

Click the link below:

http://cbs2.com/video/?id=13450@kcbs.dayport.com&cid=95

Discouraging New Report on Home Affordability

CBS News Online recently reported some very discouraging news about home affordability. They say that in CA. for instance, the income of a family purchasing a mid-priced home would have to be over $99,000 per year in order for them to be able to afford the home.

Those who are fortunate enough to find out about the HLC & M Program will be able to live the lives of their dreams in the homes of their dreams. It's easy with HLC & M step-by-step plan to improve your credit and lead you into the ranks of those enjoy the security of good credit and a strong financial foundation.

Our step-by-step plan will change your life!

Contact HLC & M immediately to hear the good news about how you can be free from all dire news and negative financial projections. Good credit and all of the financial rewards it brings is yours to have.

HLCM@StrategicCreditRestoration.net

1.443.703.7873

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Please get in touch to offer comments, ask questions, request your HLC & M New Client Enrollment Application and join our mailing list for RFG News and specials!

You can call us at 1.443.703.7873 or you can e-mail us at:

HLCM@StrategicCreditRestoration.net

HLCM@StrategicCreditRestoration.net

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Have you given up on your dream home,

favorite car, or starting your own business

due to poor credit?

Did you know that the only thing standing

between you and good to perfect credit is

lack of knowlege?

The credit buearus know that.

They are terrified that you will find out.

Are you ready to make their greatest fears

and your wildest dreams come true?

HLC & M is here to help you!

To begin learning more about the credit scoring industry and what one can do to gain freedom from its control, HLC & M has welcomed the public to listen in on their Free HLC & M Recorded Conference Call.

This special call will be available for the next few months. Callers may call at their convenience 24 hours a day – 7 days a week, listen, take notes, learn valuable information about the credit industry.

The call may be accessed by dialing 1.641.985.5700 access code: 387017# immediately followed by 411 to listen to the call.

***

The information contained on site is for educational purposes only.

You should consult your own attorney
or seek specific advice from a professional regarding your particular situation.

Houseworth, Lacey, Carter & McAllister Financial Services Program -- Phone: (248) 341-3863

E-mail: HLC&M@StrategicCreditRestoration.net