ESTABLISH AAA CREDIT IN 30 DAYS

To work this plan you need at least $400 to begin. You should borrow this from your friends if necessary. Then go to the bank of your choice and deposit the $400 into a regular passbook savings account.

It will take a few days for the account to be posted, so wait for a little while and return to the bank to ask for a $400 loan, offering the passbook as collateral. Since the bank is already holding your $400, there is no way it can lose by lending you another $400 and they won't even make a credit check.

Then with your borrowed $400, you go to another bank, open up an savings account, return a few days later, borrow $400 from that bank using your passbook account as collateral. Then repeat the process at a third bank with your borrowed $400 from the bank using your passbook account as collateral. Wait a few days and go to a fourth bank where you open this time a CHECKING account. Wait a few days and make a payment on each of the other three loans.

A week later, make payments again on the three loans, and continue paying each week until you have almost paid off the balance. A credit investigation at this point will show you with three active bank loans (which are considered hard to get), a checking account, and paying history for the three bank loans--with you having paid up in advance. Thus, you have a AAA credit in a little as 30 days. From here you go on to apply for credit cards, and other items on credit.

You should have no problem getting any credit card you want if you follow the above procedure first. But, there are a few rules to follow to insure you have no difficulties in obtaining your cards:

1. Apply for department store cards first. Purchase something and pay the balance when due;

2. Apply for a gasoline credit cards listing your department store cards as references;

3. Apply for bank cards - Mastercard and Visa;

4. Apply for Travel and Entertainment cards - American Express, Diners Club, etc.

   Establishing credit is easy, but building a reputation with the credit card companies takes time. Just be patient - it will happen!