4. Presentation Title
What Is Important About Having Good Credit?
Equifax, Experian and TransUnion
Understanding My Credit
Welcome to Better Life Better Credit
How do I use Better Life Better Credit
5. HAVING GOOD CREDIT TO ME?
Presented by Person Name
www.betterlifebettercredit.com
6. Presentation Title
They are 3 major credit reporting bureaus in the U.S.
They are NOT Government agencies!.
They are for PROFIT operations!
16. Presentation Title
And YES it’s one of the ways
credit bureaus thief make money.
17. MY CREDIT
Presented by Person Name
www.betterlifebettercredit.com
18. Presentation Title
Is a number lenders use to help
decide if a borrower is credit
worthy.
Is a snapshot of your credit
risk at a particular point in
time.
19. Presentation Title
Scores are calculated based on your credit record
of on time repayment history.
These scores are calculated and maintained by
the three major credit reporting bureaus.
Experian 330 – 830
Equifax 300 - 850
TransUnion 300 - 850
20. Presentation Title
475 to 600 • equals poor credit.
600 to 639 • equals below average credit.
640 to 720 • equals average credit.
720 to 800 • equals excellent credit.
22. Presentation Title
CREDIT SCORE CREDIT RATING
Represents a picture of all the Is an evaluation of just one credit
credit/trade lines you have in your line or trade line.
credit profile.
EXAMPLES
Your Equifax Credit Score may be You may have a visa card from
640, this means that Equifax has your bank and the bureaus may
evaluated all of the credit /trade rate just that one trade or credit
lines on their report and they have
line.
created an overall score.
23. Presentation Title
Uses a single letter single number
marker to rate an individual’s
credit/trade lines.
The numbers used in the credit rating
system range from 1-9.
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The first letter of the credit rating system represents
the following:
M • represents a mortgage trade line which typically
indicates a home loan
• represents a revolving trade line meaning that the
R monthly payment may change on the monthly basis
depending on the amount of the credit used
I • represents an installment trade line meaning that the
monthly payment stays the same month.
O • represents other/miscellaneous trade lines.
25. Presentation Title
Is an account listed on a credit
report. Each separate account is a
different trade line.
Is another term for a Line of Credit.
26. Presentation Title
My Equifax Credit Score Is: __________
My Experian Credit Score Is: __________
My TransUnion Credit Score Is: __________
27. Presentation Title
I need __________ points on my Equifax Credit Profile to obtain average credit and
__________ points to get a great credit.
I need __________ points on my Experian Credit Profile to obtain average credit and
__________ points to get a great credit.
I need __________ points on my TransUnion Credit Profile to obtain average credit and
__________ points to get a great credit.
I need a total of __________ points across the 3 credit reporting bureaus to obtain average
credit and a total of __________ points to obtain great credit.
28. Presentation Title
My goal is to have average credit in __________ to
__________ months thus allowing me to be able to
purchase a home or a car.
My goal is to have great credit in __________ to
__________ months allowing me not only to purchase a
house or a car but allowing me to have a great interest rate
and a LOW MONTHLY PAYMENT. This will allow me to
qualify for high end high limits credit cards.
29. BETTER LIFE BETTER CREDIT
Presented by Person Name
www.betterlifebettercredit.com
31. Presentation Title
Second, Click inside the white box next to the word login
and enter your first and last name with no spaces in all
lower case letters.
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Third, click inside the white box next to password and enter your
social security number with no dashes as your password
(213468725 and then click on the button that says submit.
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Fourth, when you login you will see a page similar to the one below.
Then double click on the word Result Tracker.
37. BETTER LIFE BETTER CREDIT
Presented by Person Name
www.betterlifebettercredit.com
38. Presentation Title
In order for us to effectively
restore your credit, there will be a
few things that you have to do to
assist us throughout the process.
39. Presentation Title
Driver’s License.
Social Security Card or a proof of your social security number.
Two bills with YOUR CURRENT Address
Voided Check.
Your Credit Report.
We will furnish you with a BLBC receipt.
40. Presentation Title
You will receive several letters in the mail from
Experian, TransUnion and Equifax upon completion
of your enrollment.
We will need the ORIGINAL COPIES in order to
effectively restore your credit. You have 72 hours from
the day you receive these documents to bring them into
our office. Failure to bring in these documents will
hinder the effectiveness of your credit restoration.
41. Presentation Title
There is a one time analysis fee of ONLY $250.00 to enroll into
Better Life Better Credit. You will also be charged a monthly
fee of $69.99 until your credit is restored. General completion
time is three to eight months to restore challenged credit.
RECEIPT OF INFORMATION:
I, _________________________acknowledge that I have received the
information necessary for me to enroll in the credit intervention program.
Signature:__________________ Date:__________________
Signature:__________________
