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Presented by Trevor Ottswww.betterlifebettercredit.com

BETTER LIFE…BETTER CREDIT

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ABOUT ME

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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

WHAT IS IMPORTANT ABOUTHAVING GOOD CREDIT TO ME?

Presented by Person Namewww.betterlifebettercredit.com

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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A Credit Bureau…

GATHERS information about how consumers

use Credit

COLLECTS Information about your

financial activities.

SELLS that Information!!!


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CREDIT BUREAU CONTACT…

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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Let’s see an Classic example…


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1. A major credit card company wants to promote a

new credit card.


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2. They contact the bureaus and deliver a profile of the kind of person they think will be interested.


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This profile includes…

IncomesState

RegionCredit CardsCredit Score


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3. The credit bureau then searches throuh their

records who matches that profile.


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An offer is mailed to you or someone calls you on the phone at diner time.


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And YES it’s one of the ways

credit bureaus thief make

money.

UNDERSTANDING MY CREDIT


WHAT IS A CREDIT SCORE?

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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.

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

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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Let US help YOU get the

credit YOU DESERVE…

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.

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

.

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9

poor payment historyBad rating

Excellent payment history

Good rating

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

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.

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: __________

MY CREDIT SCORE

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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


I need __________ points on my TransUnion Credit Profile to obtain average credit and


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.

MY CREDIT SCORE

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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.

WELCOME TOBETTER LIFE BETTER CREDIT


WELCOME TO BETTERLIFE BETTER CREDIT

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Visit our website

First, Go to www.betterlifebettercredit.com

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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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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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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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Visit our website

Equifax

TESTIMONIALSBETTER LIFE BETTER CREDIT


OUR SUCCESSYOUR HAPPYNESS

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Video…

ENROLL NOWBETTER LIFE BETTER CREDIT


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.

IMPORTANT DOCUMENTATION

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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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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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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:__________________

BETTER LIFEBETTER CREDIT

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We CAN help YOU

Let US help YOU have a Better Life…

Through having a BETTER CREDIT.


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Economy & Finance

social security

obtain average

equifax credit

average credit

great credit

effectively

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points