HOPE Over the next few minutes, we want to reveal the - - PDF document

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HOPE Over the next few minutes, we want to reveal the - - PDF document

Dec 05, 2023 335 likes •481 views

What if we told you that 3 MONTHS from now you could LOVE your credit score? Dont hesitate to call, Im here to serve! There is HOPE

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What if we told you that 3 MONTHS from now you could LOVE your credit score?

  • 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.

“Don’t hesitate to call, I’m here to serve!”

HOPE

There is

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SLIDE 2
  • 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
  • thers 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.

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SLIDE 3
  • 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.

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SLIDE 4

We offer HOPE

We have provided HOPE to countless others, just like you, and here’s how:

  • Help 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 )

Overcome credit challenges through proven techniques

(You will be familiarized with the process through which we have helped countless individuals repair their credit)

Provide 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)

Empower 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.

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SLIDE 5

HOPE

Help you understand how credit affects you

  • Having a credit

score below 620 will end up COSTING YOU every time!

  • 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:

  • Visit our resource website, hope.supercarguys.com for example letters, forms, and more.
  • “Banks believe that credit scores — i.e.

past financial behavior — are a good indication of an individual’s future financial behavior. Whether or not you agree with that statement, the negative effects of having bad credit are undeniable.”

  • Yahoo Finance
  • Price of car insurance
  • Getting a job
  • Getting promoted
  • Getting a military discipline
  • Ability to get housing
  • Property insurance
  • Ability to get utilities
  • Professional licensing
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SLIDE 6

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…

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.

DE-CODING YOUR SCORE

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SLIDE 7

HOPE

Overcome 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.

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SLIDE 8
  • 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.

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SLIDE 9
  • 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

  • Mistakes - 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

Visit our resource website, hope.supercarguys.com for example letters, forms, and more.

And it’s as easy as

A B C

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  • 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 Budget
  • Keeping track of how much money comes in and how much money goes
  • ut will give you the ability to…
  • Pay your bills on time .
  • and free up money to pay down debt.
  • C. Manage your Credit 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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SLIDE 11
  • 5.Be diligent about tracking your results
  • Use a calendar to remind you of important dates and help you stay

accountable to the plan. We recommend using Google calendar with email alerts.

  • Invite someone else to help you stay accountable (share your calendar).

Your friends and loved ones WANT to help, so why not ask!

  • Check back in with the companies you are disputing negative marks with

at least once a month to follow up.

  • —————————————————————————————————
  • When you challenge* a negative

mark on your credit report

the credit bureaus (Expiron, Equifax, or Transunion) must put that particular negative item on “hold” until they receive communication back from the company that you are challenging.

  • IF THE COMPANY DOES NOT RESPOND (which they often do not) then

the mark is removed.

  • IF THEY DO RESPOND, then by following up, you are giving yourself the

means by which to get the mark removed by addressing the issue the company says exists.

  • did you pay off a bill or debt and they did not remove it?
  • are you now in good standing with that company and they have not

taken the negative mark off?

  • r any number of other situations that might arise
  • *See Sample letters and other great resources at hope.supercarguys.com

Visit our resource website, hope.supercarguys.com for example letters, forms, and more.

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SLIDE 12

HOPE

Provide you valuable tools

  • On our resource website (hope.supercarguys.com) you will find

VALUABLE TOOLS to help you start achieving your goals and

  • vercoming your credit challenges
  • TOOLS LIKE:
  • FREE Budget Worksheet
  • A list of of online resources to help you dispute credit your report
  • Sample Letters to send to credit agencies
  • Instructions on how to set up Google Credit Calendar
  • Resources to help you be successful (websites and phone numbers

you’ll need)

  • An encouraging message from our Operating Partner, Scott Pitman -

sharing with you how he overcame his credit challenges and was able to achieve his dreams (need to record a little testimony from Scott to include)

Visit our resource website, hope.supercarguys.com for example letters, forms, and more.

KNOWING what to do is

  • nly half the battle,

the other half is actually DOING it

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SLIDE 13

HOPE

Empower you to succeed

  • We genuinely care about YOU

How can I HELP YOU BE SUCCESSFUL?

  • Ways we have helped

EMPOWER others to be SUCCESSFUL:

  • By giving a follow up call to encourage you and help you with any next

steps (Let’s schedule it now)

  • By sending you encouraging emails once a month to help you stay the

course

  • By introducing you to others who have successfully accomplished this

goal of repairing their credit

  • ____________________. You fill in the blank, and I will make it

happen if it’s at all humanly possible!

  • We want to help you, that’s what providing

HOPE is all about!

Visit our resource website, hope.supercarguys.com for example letters, forms, and more.