Yes. I want the Credit Protection ociation behind me. I understand that cashing or depositing this check represents acceptance of my first year membership in the Credit Protection Association for thirty nine dollars. Thereafter, please continue my annual membership (unless I decide to cancel), billed automatically to my MasterCard/Visa account.

I hereby appoint Credit Protection Association as my agent for instructing credit bureaus to send me the information they have about me.

Please check one for eligibility to cash or deposit this check:

MasterCard

O Visa

Account Number:

Exp. Date:

This check is void without a valid Master Card or Visa account number.

Signature

-Paye must sign here before cashing or depositing check

© 1988

Credit Protection Assoc Inc

CPABA

Enclosed Is A Real "LIVE"
$5.00 Check In Your Name.
Deposit Or Cash It Before
Its Void Date.

Dear Credit User:

Yes, the enclosed $5.00 check is a real, negotiable check in your name - real money - just waiting for you to endorse, then deposit or cash.

When you endorse and cash it, you'll get a lot more than $5.00. You'll also find out the truth - though it may shock you about what's in your credit report what it says about your credit standing, how it reflects on your reputation, your character, even how it could affect your ability to get a job or a promotion.

Before I provide details, please take five seconds to answer four important questions:

Q: Did you know that an elaborate mechanism has been developed for investigating and evaluating your character, your credit standing, and your reputation?

Q:

Q:

Did you know that your credit, reputation, and character can be damaged and may already be - without you even

knowing it?

Did you know that central files are kept on most Americans by credit bureaus? Credit grantors routinely use these files for approving or denying credit. Employers use them as a character check before hiring or giving promotions. Did you know these files may contain errors, misrepresertations, and outright lies?

Q: Did you know that the information about you in those central files is for sale? And that it can be sold without your knowledge or approval?

what

We want you to know what's going on behind your back your central credit bureau file contains ... what's being done with that "confidential” personal information. We're so concerned about it that we're willing to pay you $5.00 to encourage you to find out what your credit bureau file says about you.

(Over, please ...)

You may be shocked when you discover the
information that is being accumulated about
you by consumer reporting agencies without
your knowledge. Your income, how quickly you
pay your bills, job information, your bank
account balances and account numbers, ever.
your medical records the most personal
information imaginable.

And some of the information compiled by the
nationwide network of credit bureaus is often
just plain wrong. False, Damaging,

Frightening!

You may not have known that your credit bureau file exists. But it does.. on most every adult American.

...

Wrong information in your credit file can be like a ticking time-bomb. It can block you from getting a mortgage or a car loan. It can prevent you from getting an insurance policy. It can stop you from getting a promotion at work. Or even a new job. It can be devastating.

Information About You

From These Central Files is Being Sold.

The fact that credit bureaus maintain central files ... and that errors often exist in them.. is just part of the shocking truth.

The frightening truth is that this information is being sold to practically everyone your creditors, collection agencies, employers, insurance companies, and most everyone else who says they need it in connection with a transaction with you.

From your employer considering you for a promotion landlord... to your banker

to your

even to someone you know who's

considering a business transaction with you.

This elaborate credit bureau mechanism - fueled by enormous computers owned by giant corporati: ns- continuously accumulates information about you. Personal information you probably think is "confidential”. Information that can hurt you without you even kr.owing it. And this most personal of information about you can be sold to practically everyone who says they need it.

You might argue that this elaborate mechanism should be a crime. It isn't. Quite simply, it's called a "credit bureau" The information about you that is being sold is your so-called "credit report".

What they're doing is legal. You can't
stop them. But you can make sure everything
they say about you is TRUE that they tell

you who they got their "information" from
that they tell you what they said about

you and who they sold it to.

The $5.00 Check Enclosed

Will Actually Pay You To Protect Yourself.

There are two ways you can tackle this elaborate credit bureau mechanism.. their computers, their layers of bureaucracy. You can do it yourself, if you have the time, patience, and can stand the aggravation. Or you can save all that (and thereby money) by joining other prudent Americans who, as members of the Credit Protection Association, let us handle it.

Our specialists know how to deal with this claborate mechanism of credit bureaus We'll act on your beh_if quickly, decisively, in your best interest. We'll see to it that what the massive credit bureau files say about you is the truth.

We can't change the truth. But we'll mal.e them verify every bit of information you sir.cerely believe is untrue in your cred_t report. We'll make them take out everything that's not true. We'll make them take out everything you sincerely dispute and that they can't verify. And fast. And if you have a dispute with a creditor, we'll make sure your side of the story is included in your credit reports from now on.

Here's What Membership In the Credit Protection Association Will Do For You Besides Paying you $5.00 Cash:

1.

2.

3.

4.

5.

Find Out What Your File Contains Right Now. You'll find out the nature and substance of everything this elaborate credit bureau mechanism has on you (except any medical information they have on you. We'll even get you ar actual printed copy of your credit report in most cases every six months sent to you directly from the credit bureau.

You'll know the sources of the information the names of everyone who has revealed information about you.

Keep tabs on who's looking at your files. You'll know who this information was sold to in the past six months.

Know who's saying what about you. You'll know if anyone is saying derogatory things about you that end up in your credit report... what they said, and who they are.

You'll get items 1 through 4 every six months so you'll always know what the credit bureau has on you, who it's been sold to, what derogatory information was included, and who provided it.

(Over, please