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Are you being turned down for home loans, refinancing, automobiles, department store cards, or even gas cards? Are you paying a higher interest rate than you should, or has your credit limit been lowered? Are you tired and embarrassed by the constant calls from creditors and collection agencies harassing you? Have you faced repossession or foreclosure? Our experienced team and proven process have helped thousands of people restore their credit. As one of the most experienced credit education companies in business, we've helped clients restore their credit with credit files that included everything you can imagine, including inaccurate, obsolete or erroneous: •Late payments •Charge offs •Foreclosures •Judgments •Repossessions •Identity theft •Closed accounts •Bankruptcies
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www.TheCreditTutor.com
“Break Free of the Credit
Trap”©
Is Your Credit Score Hurting You?
Your Credit Score AffectsMortgage Rate Credit Cards
Auto Insurance Student Loan
Employment Apartment Rental
Car Payments Utilities
What Is a Credit Score?• Are you credit worthy?
• Do you pay your bills on time?
• Do you know your FICO Score?
Key Factors That Affect Your FICO Score
• 35% = Payment History
• 30% = Debt Ratio
• 15% = Length of Credit History
• 10% = Type of Credit
• 10% = Number of Credit Inquiries
Main Credit Reporting Agencies
Equifax
Experian
TransUnion
5 Credit Myths1. Credit Agencies Are Governmental Agencies2. Credit Agencies Are Required to Keep
Derogatory Information for 7-10 Years3. Information On Your Credit Report Can Not
Be Changed4. Bad Credit Can Not Be Restored5. Credit Repair Companies Are A Scam
According to the Government Accountability Office
80-90% of credit reports have SERIOUS ERRORS on them
For FREE Copies of Your Credit Reports go to:
www.AnnualCreditReport.com
Ways to Manage and Improve Your Credit Score
• Keep your debt-to-available credit ratio at around 25%.
• Pay your bills before the due date and keep your inquiries low.
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Get Help From The Credit Tutor
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“Our Destiny is not Written for Us, but by Us.” -President Barrack Obama
WWW.TheCreditTutor.com
“Break Free of the Credit
Trap”©
