

| There is little doubt as to the value of credit worthiness. A bad score means high rates and denials for car or mortgage financing or even an apartment. The good life depends on a good credit score. Your credit file reveals the manner in which you honor your business agreements and that says everything to an employer, merchant or landlord who put their property in your hands. The consumer who cares about their credit record should:
Accomplish these goals with the "Information Plus Guidebook" A twenty-two page consumer information guide that tells you all you need to know about credit reports. The "Information Plus Guidebook" shows you how to correct any errors on your reports with all three major credit bureaus. How to review your credit yearly, in most cases, without charge. How to insert a statement in your credit file. How to use the law in your favor. Phone numbers to the bureaus, Non-profit credit counseling agencies and more. Please contact our office if you are interested in obtaining a copy of this useful booklet. (800) 662-8437 Your credit record is too important to be left in anyone else's hands but your own. Taking care of it is easy if you know how. While we do not provide personal credit reports, you are entitled to one free credit report a year from each of the three credit bureaus. Transunion: 800-888-4213 Experian: 888-397-3742 Equifax: 800-685-1111 |

| AMSties, INC |
| PERSONAL CREDIT |
| Your Personal Credit |