Upload
danfries
View
308
Download
0
Embed Size (px)
DESCRIPTION
About Us: What We Do & How We Do It.
Citation preview
TURNED DOWN FOR FINANCING?
PAYING HIGH INTEREST RATES?
LOW CREDIT SCORE HOLDING YOU BACK?
©2009 National Credit Federation All Rights Reserved
Our Attorneys will put the law back on your side!
Get a lower mortgage rate! Get a lower mortgage rate!
Get approved for the caryou’ve always wanted!
NationwideMembership Based
Organization
Membership Based Organization
“Why would you or anyone else for that matter want to be a member of the National Credit Federation?”
©2009 National Credit Federation All Rights Reserved
Senior Partners with over 25 years in the credit business
Consulted with thousands of people about their credit
Dependable depth of knowledge in the industry
Members all across the country
Experience and Scope
©2009 National Credit Federation All Rights Reserved
Our MissionAssist people working
through a financial difficulty:
•Divorce
•Health problems
•Loss of job
•Business setback
Our average member increases their credit score 127 points within the first 6 months!
©2009 National Credit Federation All Rights Reserved
Member Benefits
Attorney Facilitated Credit Audit and Verification
Free Bankruptcy AdviceObtain a Secured Credit Card
Attorney Facilitated Credit Improvement ProgramBundled together several different benefits:
Free Credit Card Search ServiceIRS DefenseCredit Reference Service
©2009 National Credit Federation All Rights Reserved
Who is looking at my credit?
•Banks
•Landlords
•Employers
•Insurance Companies
©2009 National Credit Federation All Rights Reserved
Marquis Service
We have a number of attorneys on retainer
“…you’re going to be working with an attorney, highly experienced in credit bureau law…”
©2009 National Credit Federation All Rights Reserved
Experienced Attorneys
These Attorneys are mastersat being able to:
•Challenge the credit bureaus
•Back them into a legal corner
•Force the permanent removal of negative items
©2009 National Credit Federation All Rights Reserved
Legal Basis
6 Consumer Protection Laws:
Fair Credit Billing ActFair Debt Collection Practices Act
Federal Trade Commission ActUnfair or Deceptive Acts or Practices
Uniform Deceptive Trade Practices ActFair Credit Reporting Act
©2009 National Credit Federation All Rights Reserved
Step OneGet a copy of your credit report
If you’d like some assistance we’d be happy to help
©2009 National Credit Federation All Rights Reserved
Step Two
•Bankruptcies•Foreclosures•Judgments•Liens•Repos•Slow Pays•Demographic Information•Inquiries•Any Negative Item
A paralegal will be assigned to your case
©2009 National Credit Federation All Rights Reserved
Step ThreeAttorney will prepare an actual legal challenge
Going from your… Attorney’s office
On your… Attorney’s letterhead
Signed by your… Attorney
“…thousands of cases successfully…”
©2009 National Credit Federation All Rights Reserved
Credit Bureaus Receive ChallengeThe law requires the credit bureaus to conduct:•Due Diligence•Verify the facts
The law requires the credit bureaus to conduct:•Due Diligence•Verify the facts
•Bureaus must contact each creditor •Conclude investigation within 30 days
They do nothing of the kind!
©2009 National Credit Federation All Rights Reserved
Bureaus Send You Updated Credit Reports
At the conclusion of this investigation your lawyer will demand and the law
requires, that the credit bureaus send you an updated copy of your credit report.
©2009 National Credit Federation All Rights Reserved
Conclusion of Round OneAbout One Third (1/3) of the negative items deleted from your report on the first challenge!
About 40 to 50 days for the first round to conclude
Make a copy of original reports for your records
Send in updated copies to us to begin the next round
Include $5 payment to your attorney per deleted or improved item
©2009 National Credit Federation All Rights Reserved
Successive RoundsBypass the credit bureaus and go directly to the Creditors.
Put up orShut up
Put up a defenseor delete the item permanently
These creditors are not set up with a large bank of
employees to handle disputes in the way that the credit bureaus
are.
©2009 National Credit Federation All Rights Reserved
Your creditors are quickwhen it costs them nothing and hurts you considerably
They are cautious when it takes:
MoneyTime
EnergyEffort
To defend this information
Round Three and Beyond
©2009 National Credit Federation All Rights Reserved
“We’re talking about changing the way the Credit bureaus would like you to think about
credit reporting.”
Paradigm Shift
What would they have you believe?
The infallible word of Equifax, right?
©2009 National Credit Federation All Rights Reserved
American Justice?A Credit report isNothing moreOr Nothing less…than a whole series of allegations. Some trueSome not so trueBut the burden of proof…Lies with your AccuserInnocent until? …Proven guilty
©2009 National Credit Federation All Rights Reserved
They besmirch your credit and convict you without a defenseor even making you aware.
That’s not the way things are supposed to work…
Judge AND JuryWhat do they do?
©2009 National Credit Federation All Rights Reserved
Our processing center inTampa, FL receives manycredit reports daily with…
•Bankruptcies•Tax liens•Judgments•Foreclosures•Repos•Court ordered child support•Student loans
The heavy stuff…
DELETED!
What can we remove?
©2009 National Credit Federation All Rights Reserved
What can’t we remove?Please make a note of this…
No kind of item - period.No kind of item - period.
CollectionsSlow pays
Charge offsExcessive inquiries
All Deleted!
“… major items deleted everyday as a direct result of our attorneys’ efforts put forth on our
members’ behalf.”
©2009 National Credit Federation All Rights Reserved
Program ExpectationsExercise in patience
The average member takes about 6 months
Rewarded with improved credit score (average increase 127 points in the first six months!)
Fueled with updated copies of credit reports sent to you free!
©2009 National Credit Federation All Rights Reserved
Member Portal
1. Receive access to your own personal website: the Member Portal!
2. Communicate securely
3. Upload documents
4. Research credit education
5. Obtain status updates 24/7
©2009 National Credit Federation All Rights Reserved
Access to a network of 25,000 attorneys nationwide:Create simple willsRepresentation for small claims courtUnlimited phone consultations on different subjects
Free credit card search program:Obtain 2 additional lines of credit
Credit reference letter from your Attorney
Additional Member BenefitsCollective buying power of a national association
©2009 National Credit Federation All Rights Reserved
“…rectifying problems or erasing erroneous, outdated, or unverifiable information…”
Membership Protection Warranty
As long as you have complied with the terms of your membership agreement, we believe you should not have to pay for ineffective service:
If there are no derogatory items removed from your report in the first 3 months of membership, at your request we will terminate your membership and refund to you all membership fees paid.
At the conclusion of your 12 month membership, if there has not been an increase in your credit score we will refund 100% of your membership fee.
©2009 National Credit Federation All Rights Reserved
Membership Dues
Attorneys are involved…How much is this going to cost me?
“…committed as a company…” Any average citizen can join
©2009 National Credit Federation All Rights Reserved
Small monthly investment of just…$97An Initial Set-up of just…$149
Or, Save over $300 by taking care of your entire membership in one lump sum of just…$995
Either way, you’ll have a lawyer representing you against:
Membership Dues
Immediately put an attorney to work on your behalf, that has handled thousands of cases before he ever gets yours!
©2009 National Credit Federation All Rights Reserved
Results
©2009 National Credit Federation All Rights Reserved
Join Today!
“Your decisions today start the wheels in motion for what happens tomorrow!”
Thank you!
©2009 National Credit Federation All Rights Reserved
The trademarks, service marks, and logos (the "Trademarks") used in this presentation are registered and unregistered Trademarks. Trademarks belonging to TransUnion, Experian Information Solutions, Inc, and Equifax Inc. and their affiliated companies or other product and company names mentioned herein may be the trademarks of their respective owners. Any unauthorized use of the Trademarks is strictly prohibited. You may not display or use the Trademarks for any purpose without the written permission of Trademark owner.