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PRESENTATION TITLEPresentation
Presented by Trevor Ottswww.betterlifebettercredit.com
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BETTER LIFE…BETTER CREDIT
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Video…
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ABOUT ME
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I…
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WHAT IS THIS TALK ABOUT?
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Outline…
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
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WHAT IS IMPORTANT ABOUTHAVING GOOD CREDIT TO ME?
Presented by Person Namewww.betterlifebettercredit.com
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EQUIFAX, EXPERIAN AND TRANSUNION
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You must know…
They are 3 major credit reporting bureaus in the U.S.
They are NOT Government agencies!.
They are for PROFIT operations!
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EQUIFAX, EXPERIAN AND TRANSUNION
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A Credit Bureau…
GATHERS information about how consumers
use Credit
COLLECTS Information about your
financial activities.
SELLS that Information!!!
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EQUIFAX, EXPERIAN AND TRANSUNION
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CREDIT BUREAU CONTACT…
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
One “permissible” purpose is to
SELL YOUR INFORMATION to companies looking to send out
credit or other offers.
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
Let’s see an Classic example…
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
1. A major credit card company wants to promote a
new credit card.
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
2. They contact the bureaus and deliver a profile of the kind of person they think will be interested.
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
This profile includes…
IncomesState
RegionCredit CardsCredit Score
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
3. The credit bureau then searches throuh their
records who matches that profile.
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
An offer is mailed to you or someone calls you on the phone at diner time.
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
And YES it’s one of the ways
credit bureaus thief make
money.
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UNDERSTANDING MY CREDIT
Presented by Person Namewww.betterlifebettercredit.com
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WHAT IS A CREDIT SCORE?
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Things you should know
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.
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WHAT IS A CREDIT SCORE?
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How to calculate it?
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 – 830Equifax 300 - 850
TransUnion 300 - 850
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THE HIGHER, THE SCORE,THE CREDIT, THE BETTER
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How to calculate it?
•equals poor credit.475 to 600
•equals below average credit.600 to 639
•equals average credit.640 to 720
• equals excellent credit.720 to 800
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HOW CREDIT BUREAUS USE YOUR DATA?
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Things you should know
Let US help YOU get the
credit YOU DESERVE…
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CREDIT SCORE V.S.CREDIT RATING
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What is the difference?
Represents a picture of all the
credit/trade lines you have in your
credit profile.
Is an evaluation of just one credit
line or trade line.
CREDIT SCORE CREDIT RATING
EXAMPLESYou may have a visa card from
your bank and the bureaus may
rate just that one trade or credit
line.
Your Equifax Credit Score may be 640,
this means that Equifax has evaluated
all of the credit /trade lines on their
report and they have created an
overall score.
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CREDIT RATING SYSTEM
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How is it represented?
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.
1
.
.
.
9
poor payment historyBad rating
Excellent payment history
Good rating
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CREDIT RATING SYSTEM
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How is it represented?
The first letter of the credit rating system represents
the following:• represents a mortgage trade line which typically
indicates a home loanM• represents a revolving trade line meaning that the
monthly payment may change on the monthly basis depending on the amount of the credit usedR
• represents an installment trade line meaning that the monthly payment stays the same month.I
• represents other/miscellaneous trade lines. O
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DEFINITION OFTRADELINE
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What is it?
Is an account listed on a credit
report. Each separate account is a
different trade line.
Is another term for a Line of Credit.
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MY CREDIT SCORE
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Let’s calculate…
My Equifax Credit Score Is: __________
My Experian Credit Score Is: __________
My TransUnion Credit Score Is: __________
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MY CREDIT SCORE
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Let’s calculate…
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.
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MY CREDIT SCORE
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Let’s calculate…
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.
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WELCOME TOBETTER LIFE BETTER CREDIT
Presented by Person Namewww.betterlifebettercredit.com
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WELCOME TO BETTERLIFE BETTER CREDIT
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Visit our website
First, Go to www.betterlifebettercredit.com
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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.
WELCOME TO BETTERLIFE BETTER CREDITVisit our website
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WELCOME TO BETTERLIFE BETTER CREDIT
Presentation Title
Visit our website
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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WELCOME TO BETTERLIFE BETTER CREDIT
Presentation Title
Visit our website
Fourth, when you login you will see a page similar to the one below.
Then double click on the word Result Tracker.
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WELCOME TO BETTERLIFE BETTER CREDIT
Presentation Title
Visit our website
Equifax
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TESTIMONIALSBETTER LIFE BETTER CREDIT
Presented by Person Namewww.betterlifebettercredit.com
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OUR SUCCESSYOUR HAPPYNESS
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Video…
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ENROLL NOWBETTER LIFE BETTER CREDIT
Presented by Person Namewww.betterlifebettercredit.com
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WHAT’S NEEDEDTO ENROLL?
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Better Credit is for you!
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.
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IMPORTANT DOCUMENTATION
Presentation Title
Better Credit is for you!
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.
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IMPORTANT DOCUMENTATION
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Better Credit is for you!
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.
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IMPORTANT DOCUMENTATION
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Better Credit is for you!
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:__________________
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BETTER LIFEBETTER CREDIT
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We CAN help YOU
Let US help YOU have a Better Life…
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Through having a BETTER CREDIT.
Presented by Person Namewww.betterlifebettercredit.com