AAA AMERICAN CREDIT BUREAU

Please note: Re-Scoring is not "Credit Repair".

After many years, a Mortgage Credit Reporting company combines "Service and help for the consumer" with "Guarantee's to the mortgage industry to change and put "First" the rights of the consumer. With the ever changing mortgage industry now going to credit scoring to determine consumer eligibility, rate and term. We have a way to protect consumer rights under the Fair Credit Reporting Act and correct credit grantor inaccuracies/errors and have consumers credit scores recalculated in a matter of days. We also, advise our client's of what they need to do so they will have the highest possible credit score leveling the playing field for ALL consumers which means lower fee's and costs for consumers across the nation. It's been well worth the wait. - Don Smith, President, Greater Arizona Mortgage Corp

AAA American Credit Bureau offers Guarantee's that no other National Mortgage Credit Reporting Bureau will or has done to date. We are dedicated to helping the consumer with all their credit needs. We have and will always strive to revolutionize the Credit Industry. AAA Credit offers consumers a way to order a credit report "on-line" and not have to wait weeks to receive a copy. With our Automated Dispute Verification Software/Service (ADVS) and our Consumer Dispute Verification Software/Service (CDVS) along with our ACB Mortgage Partners and other New Services soon to come, we are "Changing the Mindset" of the credit industry.

AAA American Credit Bureau is the "First" National Mortgage Credit Bureau that can "RECALCULATE" the Fico scores from the National Repositories in 3 - 5 business days (average) certain restrictions apply and your clients must meet our standards and guidelines. Through our own software we can handle consumer disputes "ONLINE" with the creditor and the "National Credit Repositories". Your Mortgage client may now get the type of Real Estate Loan Program they need and want at the RATE and TERM they need, certain restrictions apply. Your client "MUST" meet our standards and guidelines for our ADVS/CDVS service. Your Mortgage client may now get the type of Real Estate Loan Program they need and want and the RATE and TERM they need to CLOSE. Your client will no longer have the same credit grantor inaccuracies/errors appear on their credit file "over and over" and from "loan to loan".

AAA American Credit Bureau's President Richard F. Le Febvre is again in the news. This time on NBC nightly news with Tom Brokaw on Wednesday May 1, 2002 titled "The Impact of your Credit Score " created by Dan Lothian an NBC correspondent. The story talks about how much a low "Fico" score could cost the average consumer during the automated underwriting process of their mortgage loan application. We were interviewed with three of our consumer success stories. In one case we were able to re-score and raise Dave Birdsall's middle Fico score from 560 to 720 in about five days. This story just touches the tip of the "Iceberg" when it comes to consumers being harmed by Fannie Mae & Freddie Mac's automated underwriting systems DU & LP. These two automated underwriting systems deny consumers their legal rights under the Fair Credit Reporting Act of 1970 and the amended FCRA of 1996.

AAA American Credit Bureau's President Richard F. Le Febvre is again in the news. An article written by Beth Kobliner titled "Borrower Beware: Credit Scorers Are Watching" in the world respected newspaper, the New York Times, was published today, April 21, 2002. The story talks about how much a low "Fico" score could cost the average consumer during their application for a mortgage loan, auto loan, auto insurance, or even their homeowners insurance.

AAA American Credit Bureau's President Richard F. Le Febvre has been invited to speak at the NCRC (National Community Reinvestment Coalition) national conference in Washington DC February 26-March 1, 2002 on "Accessing and Correcting Credit Records". He will also address the impact of Credit Scoring on minorities and consumers with errors.

AAA American Credit Bureau's President Richard F. Le Febvre has been invited to speak at the CFA (Consumer Federation of America) national conference in Washington DC March 13-14 2002 on the "Impact of Risk Based Pricing of Financial Services on Low Income Consumers". He will also address the fairness of Credit Scoring and Credit reporting accuracy.

AAA American Credit Bureau's President Richard F. Le Febvre is again in the news. An article written by Kenneth Harney titled "Outdated Credit-Scoring System Can Penalize Potential Borrowers" in the world renowned newspaper, the Washington Post, was published today, February 23, 2002. Kenneth Harney is one of the nation's most reputable authorities on housing news. He is most respected by the nations leaders in Washington DC. The Washington Post newspaper is the most highly read newspaper in our nations capital and throughout the country. Kenneth Harney is a syndicated columnist whose stories are picked up by the newswire and newspapers across the nation, coast to coast.

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