What if we told you that 3 MONTHS from now you could LOVE your credit score? “Don’t hesitate to call, � I’m here to serve!” � � � � � � � � � � There is � HOPE � � � � � � � Over the next few minutes, we want to reveal the SECRETS to RAISING your credit score and putting YOU back in charge of your future! � � � Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
� � THE FIRST THING YOU SHOULD KNOW: Millions of Americans have some sort of credit challenge � You are NOT alone � the GOOD NEWS is, there’s is a WAY FORWARD and we want to share it with you! � � � � � � We have PERSONALLY used this system to help others improve their credit and want to OFFER the secrets we’ve learned to help you improve yours! Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
� � HOW DID YOU GET HERE? Knowing HOW you got HERE is the FIRST STEP to EFFECTIVELY improving credit � � � Common Reasons for bad credit scores: 1. Having “Negative” marks on your Credit Report • Missed payments • Collections (medical, bad checks, unpaid bills, etc.) • Bankruptcy • Tax Liens • Repossessions/Foreclosures • Identity theft • Mistakes • Divorce � 2. No “Negative” marks, but you DO have debts. • Carry high balances compared to debt limit • Too many accounts of a certain type open • Debt to income ratio too high • Overuse of revolving credit lines � 3. Your Credit History is too short • You are just getting started • Your lack of credit history is hurting you � � � No Matter HOW you got HERE, It’s our goal to HELP you! Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
We offer HOPE We have provided HOPE to countless others, just like you, and here’s how: � H elp you understand how credit affects you (You will understand exactly what makes up your credit score and how your actions from today on will help you ) O vercome credit challenges through proven techniques (You will be familiarized with the process through which we have helped countless individuals repair their credit) P rovide you with valuable tools (You will leave with the resources you need to accomplish the task of overcoming your credit challenges and repairing your credit) � E mpower you to succeed (You will walk out today with a plan and a partner in this process. You are not alone and we are here to help.) � � GET A REAL QUOTE SIMILAR TO BELOW: “I understand the challenges that having poor credit can present. At the end of the day, if everything else falls apart, we want to make sure that we help you find HOPE in the middle of life’s trials.” � -Scott Pitman (Operating Partner) Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
HOPE H elp you understand how credit affects you � � � Having a credit “Banks believe that credit scores — i.e. past financial behavior — are a good score below indication of an individual’s future financial behavior. Whether or not you 620 will end up agree with that statement, the negative COSTING YOU effects of having bad credit are undeniable.” � every time! -Yahoo Finance � � � � You will end up paying SIGNIFICANTLY more (in interest and as a downpayment) and have HIGHER MONTHLY PAYMENTS than someone with a good score would end up paying for the exact same item. � � 8 Ways Negative Credit May Have an Impact: � • Price of car insurance • Ability to get housing • Getting a job • Property insurance � • Getting promoted • Ability to get utilities • Getting a military discipline • Professional licensing � � Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
Someday, would you like to: • Purchase a home? • Drive your dream car? • Own a boat? • Buy brand new furniture for your home? • Be free from your poor credit history? � Your current credit score affects your ability to create the future of your dreams! � It starts with… DE-CODING YOUR SCORE Your CREDIT SCORE is simply a NUMBER that helps banks know how LIKELY you are to DEFAULT on a loan. � This number is calculated by looking at your CREDIT REPORT and NOTHING else. � � IMPROVE YOUR CREDIT REPORT = RAISE YOUR SCORE � � We are about to teach you how you can IMPROVE your credit report and RAISE your score Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
HOPE O vercome credit challenges through proven techniques � � � � All you have to do is CHANGE your credit report and you can CHANGE your life! � � � (We have seen some people jump their score by as much as 100 points in one month - it takes work, but it’s worth it.) � � � � � We’re putting you BACK in CONTROL!!!! Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
� So Where do I start? � 1. Get a free, full copy of your credit report • Under federal law you are entitled to one free credit report every year. � • DO NOT use one of the “Free Credit Report” websites they are not truly free and are designed to sell you services. � • Instead, use one of the below methods: 1. You may contact the Central Source by visiting www.AnnualCreditReport.com 2. You can request by phone and call 877 FACTACT 3. Complete the Request Form in our resource packet, mail to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 � 2. Take time to go through your credit report without distractions. • You need some time to look this over and think through anything that you might see as a problem. � Before we move on - Take a DEEP BREATH This is going to look like a lot (and we’re not going to lie, it takes some work) but we WILL EMPOWER you with the TOOLS and ENCOURAGEMENT for you to be SUCCEED! � You can be DO THIS, and we are THRILLED TO HELP! Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
3. Identify the items on your report that are creating the negative marks • Look for late payment notifications � • Credit collections � • High balance to debt ratio credit lines • if you have a credit line of $1,000 and you have outstanding credit of $900, then you are at 90% capacity - this is your credit ratio. • if your credit ratio is too high, then your score will be affected negatively � M istakes - it occasionally happens that someone else's negative credit • will show up as a part of your credit report � � Remember: This is all about TAKING BACK CONTROL And it’s as easy as A B C Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
4. Create an ABC Plan of Attack � � � A. Make A list of items to dispute � • Keep good records about communications to and from the credit company. � • Be specific about the item you are disputing and exactly what you want them to do about it. � • If you are going to pay off an outstanding debt with a company that has provided negative marks on your report - do not do so until you have it in writing on their letter head that they WILL delete their negative mark from your credit. � � � B. Create a B udget • Keeping track of how much money comes in and how much money goes out will give you the ability to … • Pay your bills on time . • and free up money to pay down debt. � � � C. Manage your C redit and Debt • Develop a strategy to reduce your debt ratio. • Everyone’s situation is unique, it’s important to have a strategy. We would be happy to cosh you through this process and give you some ideas. � • Do NOT close credit cards once they are paid off - especially ones with credit history associate with them. Having low or no balances on those cards will give you a lower credit ratio and help improve your credit score. � Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
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