DO-IT-YOURSELF CREDIT IMPROVEMENT PROGRAM FOR CANADIANS

A landed immigrant who went through car repossession, late payments, bounced cheques, and personal bankruptcy wrote and self-published a 26-page pocket-size booklet called How to improve your credit in 6 to 12 months", after finding ways to boost his credit ratings. The booklet offers a do-it-yourself step-by-step credit improvement program and includes an application for a VISA credit card that was designed for people with bad credit.

I used the methods described in this booklet for five months," says Russia-born Toronto writer Serguei Dratchev, who came to Canada in 1997; and suddenly I qualified for a gold MasterCard with a $2,500 credit line. It's a welcome change from the times, when OSAP declined my application for a college loan, banks would not give me any credit, and even my application for the overdraft protection on the checking account got turned down!"

Individual copies of the booklet How to improve your credit in 6 to 12 months" can be ordered by sending $9.95 plus $1.50 shipping to: Serguei Dratchev, 250 The East Mall, Suite 1620, Toronto ON M9B 6L3. Quantity discounts are offered to businesses and organizations for sales promotions, premiums, and fund-raisers.