Housing prices are falling like a skydiving gorilla with a parachute malfunction while over 100 million Americans do nothing by reacting like a family of deer frozen in the headlights of a speeding van down a pitch black country road at midnight. With bad credit repair on everyone’s mind and the economy being in the midst of chaos* one man believes there’s never been a better time to have bad credit, been foreclosed or even filed for bankruptcy.

For 15 years Jay Peters has been the marketing director behind Consumer Publishing Group and the Credit Secrets Bible, a popular home study course which teaches people with bad credit how to speed up the process of improving their credit scores and turn their financial lives around. “Consumers can bury the hatchet, learn from their mistakes, quit beating themselves up and get on with their lives” he says. “From Walt Disney to Donald Trump, most every successful entrepreneur in this country has gone bankrupt more than once in their lifetime. It’s almost a prerequisite for success these days” Jay adds.

“I find that people rarely make a change in their life when things are rosy. However, show me a person whose down and out, frustrated (even angry) and I’ll show you someone who has the potential to change their life in a hurry” he says. According to Jay and his credit bible, there has never been a better time for Americans to learn from their financial mistakes. He believes a large chunk of America is poised to discover what truly brings them happiness while at the same time get back to financially conservative roots.

“If you have bad credit I’ll prove to you why real estate prices will continue to decline in 2009 and why there’s never been a better time to get the dream car and home you want at a rock bottom price you can afford!” Jay says. “The future belongs to those who prepare for it. It’s simple. Things are going to get much, much worse before they get better. However, those who start working on their credit today using the techniques and strategies we teach will have their credit in check to take advantage of the greatest housing and automotive deals this country has ever seen in the last 100 years” he adds.

While he is in the minority he believes wherever there is great adversity there is also great opportunity. “I may live in Nevada but I don’t gamble. Yet, I have offered to bet with realtors and mortgage brokers that housing prices in many areas will recede all the way back to pre 2000 prices. To date, not one has taken up the challenge” he says. While studies show 80% of credit reports contain errors and Jays says over 80% of credit bureau disputes are not even processed in the United States Anymore, he claims there are definite LEGAL loopholes to improving ones credit fast and 99% of Americans are NOT taking advantage of them. As a result, one of the companies credit score repair websites offers free credit tips and educational videos. You can visit the site at www.CreditSecretsBible.com and www.CSBCards.com