Demystifying Credit

13. First the Facts The fair Credit Reporting Act: 1971 Congress passed the Fair Credit Reporting Act (FCRA). The FCRA was passed by congress with the intention to regulate credit-reporting agencies. The Act spelled out all the rules and regulations that the credit-reporting agencies had to follow before they put anything on someone’s credit report. For the past three decades, those agencies have ignored most of the law. Information about “you” has to be accurate and verified before it is entered on your credit reports. If “reasonable procedures” have not been correctly followed, then any verified inaccuracies must be removed from your credit reports as defined in the FCRA. The three credit reporting agencies (CRA) ARE Experian (formerly TRW), Equifax and Transunion. There are various agencies that purchase information from these three major agencies, but they get their information from the “Big-3”, so if you can repair your credit with the Big-3, you basically repair it with everyone. Demystifying Credit Repair

16. Who are the Credit Reporting Agencies and how do they work? The Credit Reporting Agencies (CRA’s) collect and maintain information about consumer’s credit history. This information is obtained from banks, credit card companies and various financial institutions. They sell this information to lenders and other creditors. Demystifying Credit Repair

21. What is FICO? 35% 30% 15% 10% 10% Demystifying Credit Repair

22. Example 1 35% 30% 15% 10% Buying a House… $200,000 Base Price Low Score 500-559 $1,432.82 Payment 360 month @7.75% High Score 720-850 $1,104.41 Payment 360 month @5.25% SAVE $328.41 per month! SAVE $3,940.92 per year! SAVE $118,227.60 over 30 years!!! Demystifying Credit Repair

23. Example 2 35% 30% 15% 10% Buying a Car… $25,000 Base Price Low Score 500-559 $2,500.00 Down $467.00 Payment 60 month loan High Score 720-850 $2,500.00 Down $424.60 Payment 60 month loan SAVE $42.40 per month! $2,544 over 5 years Plus car of choice for higher score Demystifying Credit Repair

25. Our mission is to revitalize the economy by educating the consumer about the travesty of bad credit and high interest rates. With the power of technology and our experienced team of professionals, we deliver the best service in the industry. High interest rates deny many people the ability to purchase things through credit. This prevents them from being able to buy homes, cars and other consumer goods and services. Our goal is to restore their purchasing potential so they can afford to buy a home, start a family, travel, invest or start a business. We help people improve their credit profile so they can stop putting their dollars into high interest rates and start using them to stimulate the economy. Let us help you make good credit and financial independence a reality, not just a dream! Demystifying Credit Repair

26. How Does the Credit Restoration Process Work? Our process combines the latest technology with personalized attention that gets results. Demystifying Credit Repair

29. Credit repair progress report Demystifying Credit Repair

30. Unbelievable Price All For The Low Price of $499.00 Demystifying Credit Repair