Financial Services & Credit Building Specialists Protecting Financial Futures Since 1995 8/8/2016 Casara Credit Group, Inc. 1
To impact and improve our customer’s credit scores enabling them to achieve their financial goals. CASARA We teach our clients how to become CREDIT debt free. GROUP Impact our Associates and Referring Partners lives’ helping them to increase their business opportunities and their income. CORE COMMUNITY CUSTOMERS VALUES To impact people’s lives all over the country by helping the less fortunate through A Servants Heart Charity Gift Program (The Golden Rule). Impacting the communities we serve ASSOCIATES & REFERRING by helping our Referring Partners PARTNERS utilize our services, assist more customers, and sell more products (houses, cars, business loans, etc.). Therefore, helping the American economy get back on its feet! 8/8/2016 Casara Credit Group, Inc. 2
How This Effects EVERYONE… Buying or Renting a home Buying a car Insurance costs Jobs 8/8/2016 Casara Credit Group, Inc. 3
How Do We Help Stimulate the Economy? Good Credit leads to the creation of jobs: Real Estate Mortgage Construction Insurance Auto Etc. 8/8/2016 Casara Credit Group, Inc. 4
Rusty Alphin Rusty Alphin, President and Founder of Casara Credit Group, Inc., has 20+ years experience in President the credit field with thousands of clients from all over the United States. His experience and expertise has evolved into Casara Credit Group . After years of research into the credit industry, Rusty has discovered several valuable “ nuggets ” of information. By utilizing this information combined with your rights under Federal Credit laws, the Casara Credit Group has removed items from credit reports such as: Bankruptcy • Collections • Medical • Credit Cards • Judgments • Late payments • School Loans • Repossessions • Foreclosure or Short Sale • 8/8/2016 Casara Credit Group, Inc. 5
The Casara Difference We Make It Personal By… Providing Personal Credit Coaching Removing negative credit Teaching you how credit actually works Explaining how to get Double Credit Reporting Teaching ways to decrease the amount of interest you pay Our Casara University teaches you how to pay your mortgage off years early without additional payments 8/8/2016 Casara Credit Group, Inc. 6
Our Personal Credit Coaches do more than fix your credit score. They hold your hand and teach you money-saving techniques throughout the credit rebuilding process. We help clients save thousands of dollars per What We Do For YOU… year on mortgages , auto loans, credit cards, insurance, etc. We have removed items such as bankruptcy, charge-offs, late payments, collections, school loans, foreclosure, short sales, etc. We show you how to build positive credit without incurring any new debt. For 20 years we have worked with Real Estate professionals across the nation to give thousands of their once unqualified clients the experience of home ownership . Our data software program keeps you in- touch with the progress of reports and automatically shows what has been removed and Grow Your Credit Score!! what is being targeted next. We show you how buying groceries can actually help increase your credit score . 8/8/2016 Casara Credit Group, Inc. 7
Using just two of our strategies, we can teach our clients how to pay off their We teach how to We explain We show you how to mortgages years early. (hint) One strategy eliminate interest or Budgeting and its doesn’t even require paying anything extra become “Savers” on the mortgage itself but can reduce the reduce interest on Importance. not just consumers. time it takes to pay your mortgage off by... credit cards. 5-10 YEARS!! Casara Credit Group, Inc. 8 8/8/2016
CREDIT PIE PAYMENT HISTORY 35% Payment Includes timely payments, late pays, collection accounts, History 35% charge-offs, bankruptcies, etc. AMOUNTS OWED 30% Amounts 10% Mortgages carry a greater weight than revolving amounts owed on your accounts. Debt utilization and debt-to-income gives Owed 30% your potential lenders and idea if you have the ability to manage 10% your accounts. 35% Length of LENGTH OF CREDIT HISTORY 15% Certain weight is given since the time you opened an account. Credit History 15% (The longer you have an account the greater effect it will have 15% on the score.) Types of TYPES OF CREDIT 10% 30% Credit 10% The more diverse types of credit accounts you have the better effect on your score. An optimal credit report will include revolving accounts, installment accounts, mortgage and other consumer accounts. New Credit 10% NEW CREDIT 10% Typically after six months, the longer you have the account in good standing, the more positive effect it will have on your credit score. 8/8/2016 Casara Credit Group, Inc. 9
The Six Things I’m Going to Show You Today… How negative credit The lender who will assist How positive credit impacts impacts your credit you in your loan once you’ve your credit score. completed the program. score. How to take everyday An example of how one of purchases/bills and get them Examples of client our clients saved over $8,000 to show up on your credit testimonials. a year on his mortgage using report by using our Personal our credit program. Credit Coaching Program. 8/8/2016 Casara Credit Group, Inc. 10
Meet Part of Our National Mortgage Lender Network Team Kevin Stormer Ginenne Rife Joey Barrow Lenny Jaen Annie Mac Annie Mac Annie Mac Annie Mac Mortgage Mortgage Mortgage Mortgage 8/8/2016 Casara Credit Group, Inc. 11
National Network Mortgage Team Continued Chad Ludwig Marty Dejoesph Leon Ezzell Natalya Hill Coastline National Home Integrity Homeside Mortgage Mortgage Mortgage Financial LLC 8/8/2016 Casara Credit Group, Inc. 12
Fresh Start Program: Plan Benefits CREDIT MONITORING CREDIT REMEDIATION!!! Keeps track of your credit AND We help to eliminate and remove Alerts you to suspicious activity. negative items off your report to help increase your credit score. CREDIT RESTORATION ACCESS TO AN ATTORNEY 24/7 If you become a victim of identity theft, Legal advice-unlimited issues • our team will restore your credit. Letters/Calls made on your behalf • Free preparation of your will and living • will CREDIT BUILDING Document review and online legal forms • Build positive credit which accounts 25% off closing costs and other legal • for 35% of your credit score. services. (Underwritten by Legal Shield) 8/8/2016 Casara Credit Group, Inc. 13
Action 550 Score 660 Score 750 Score Maxed out 25-30 pts 30-35 pts 35-45 pts Credit Card 30 Day Late 30-35 pts 35-45 pts 90-110 pts 60 Day Late 45-50 pts 50-60 pts 110-120 pts Settlement 45-50 pts 55-65 pts 105-125 pts Foreclosure 80-95 pts 85-105 pts 140-160 pts Bankruptcy 100-120 pts 130-150 pts 220-240 pts Actions that prevent your score from getting higher: Debt utilization too high on revolving accounts. Delinquency on accounts. Too few revolving accounts . Too many revolving accounts. Too many finance company accounts. Time of last delinquency is too recent. Too few accounts paid as agreed. Too many recent inquiries in last 12 months. 8/8/2016 Casara Credit Group, Inc. 14
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My testimonial, My lender referred me to Rusty and Casara Group because my credit score was too low to qualify for a mortgage. I had lost my home in a foreclosure during the real estate crash and thought I would never be able to own a home of my own again. I had stopped looking at my credit and just assumed nothing could ever fix it. Rusty assured me that I could recover and become a homeowner again, and just that promise gave me hope, and hope is a powerful thing. I am thrilled to say that I just qualified for a mortgage and will close on my new home in New Bern in May of this year. I know for a fact that Rusty's promise is not an empty one! He helped me, and he can help you too. - Jennifer Williams 8/8/2016 Casara Credit Group, Inc. 20
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