Welcome! Mark Bustamonte Nationwide Field Trainer Sales Director and Credit Consultant 954.707.2932 [email_address] www.unitedcredited.com

Company Background Established in 2003 BBB Rated - Better Business Bureau Established CUSO - Credit Union Services Org. Licensed and Bonded in ALL 50 States (As Required) Headquarters in Farmington Hills, MI

Lenders Requirements for a Home Loan Character Collateral Capacity Credit! The 4 C's

Character

Collateral

Capacity

Credit!

Why is Credit important to The Lender? Lending is all about risk, PERIOD! Your credit score helps the lender determine if YOU are a GOOD Risk YOUR Credit is the first consideration

Lending is all about risk, PERIOD!

Your credit score helps the lender determine if YOU are a GOOD Risk

YOUR Credit is the first consideration

What is a Credit Score? Credit Scoring is a model to help lenders determine YOUR habits. FICO developed the credit scoring model Credit Scores range from 300 to 850

Credit Scoring is a model to help lenders determine YOUR habits.

FICO developed the credit scoring model

Credit Scores range from 300 to 850

How is YOUR Credit Score Calculated? Payment history - 35% Amount owed - 30% Length of Credit history - 15% Types of Credit used - 10% New Credit inquiries - 10%.

Payment history - 35%

Amount owed - 30%

Length of Credit history - 15%

Types of Credit used - 10%

New Credit inquiries - 10%.

How Does My Credit Effect Me? Interest Rates on Mortgages Interest Rates on Auto Loans Home Ownership Premiums Auto Insurance Premiums

Interest Rates on Mortgages

Interest Rates on Auto Loans

Home Ownership Premiums

Auto Insurance Premiums

How Can I Improve My Credit Score? Pay your bills on time Reduce your amount owed vs your credit limit Don't apply for credit needlessly Automate your bill payment Protect your credit file

Pay your bills on time

Reduce your amount owed vs your credit limit

Don't apply for credit needlessly

Automate your bill payment

Protect your credit file

Fair Credit Reporting Act (FCRA) The Fair Credit Reporting Act (FCRA) is the consumer protection law that was enacted in 1970 to protect consumers from erroneous, obsolete and unverifiable information being reported on there credit reports. It is estimated that 70% on all credit reports have significant errors!

Fair Credit Reporting Act (FCRA) Requires All information MUST be Verified Allows for consumers to dispute information on Credit Reports Requires that; Erroneous, obsolete and unverifiable BE DELETED!

Requires All information MUST be Verified

Allows for consumers to dispute information on Credit Reports

Requires that;

Erroneous, obsolete and unverifiable

BE DELETED!

How Can We Help YOU? Credit Builder Program (Unsecured Line of Credit) 5 Round Dispute Process (Per FCRA) Customer Call Center 30% to 50% Deletion Ratio First 30 Days Customer Access Site ( www.united-credit.org ) Money-Back Guarantee

Credit Builder Program (Unsecured Line of Credit)

5 Round Dispute Process (Per FCRA)

Customer Call Center

30% to 50% Deletion Ratio First 30 Days

Customer Access Site ( www.united-credit.org )

Money-Back Guarantee

Q&A Knowledge is POWER!

Results = Success! Each Client has a unique credit profile and a specific desired Result from our services. Our Education and Credit Restoration plan ensures that each client will receive an individualized strategy to meet their needs.

Thank You ! Mark Bustamonte Nationwide Field Trainer Sales Director and Credit Consultant 954.707.2932 [email_address] www.unitedcredited.com