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Presented by  Mark Bustamonte VR Tech Marketing Group 954-707-2932 www.vrtmg.com/mbustamonte
Our Mission ,[object Object]
Our service works with consumers to dispute any inaccuracies on their credit reports with the three major credit reporting agencies to help them obtain an error proof credit report.
High interest rates deny many people the ability to purchase things through credit.
Let us help you make good credit and financial independence a reality, not just a dream!
Company Overview ,[object Object]
Our corporate office is located in Farmington Hills, Michigan.
We are members of the Better Business Bureau with no complaints.
How Credit Affects You ,[object Object]
Your ability to get a checking account
Rates on your auto insurance
Employment
The Three Major Credit Reporting Agencies ,[object Object]
Equifax
Transunion
What do the credit reporting agencies (CRA’s) do? ,[object Object]
The CRA’s sell this information to lenders and other creditors.
The CRA’s are  not  part of the government.
Are Credit Reports Accurate? ,[object Object]
25%  of which are serious enough to potentially result in a credit denial
How do these errors occur? ,[object Object]
When filling out credit applications with different names,  i.e., Bill Smith versus William Smith
Your Social Security number was entered incorrectly on the application
A clerical error was made when the lender transferred the data from the application
Who regulates the credit reporting agencies? ,[object Object]
The Federal Trade Commission is the government agency responsible for enforcing the FCRA
What are Credit Scores? ,[object Object]
Reflective of a borrower's past payment history, outstanding credit balances, and available credit capacity at a given point in time
Creditors use these scores, known as FICO scores, when deciding whether or not to offer credit to consumers
FICO scores range from 300 to 850 points
Other Names for Credit Scores ,[object Object]
Fair Isaac—Experian
Empirica—TransUnion
Credit Score Interest Rate Monthly Payment 760-850 6.072% $604 660-699 6.578% $637 580-619 9.419% $835 Credit Score Interest Rate Monthly Payment 650 or higher  -  Indicates a very good credit profile. People falling into this range will usually be able to obtain credit quickly and at a good interest rate .  620 to 650  -  The range which most credit scores fall. However, these consumers may find that potential creditors could require additional documentation for larger loans and the loan process may take longer as a result .  620 or less — May mean higher interest rates for borrowers. This does not mean that credit will be denied. The process will probably take longer and will be on less than ideal terms.   The following table is based on a $100,000 30-year fixed mortgage from myfico.com. How Credit Scores are Used
What makes up your credit score? ,[object Object],[object Object]
Amount of credit you owe versus your available credit (30%)
The length of your credit history (15%)
Types of credit used/your credit mix (10%)

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Credit Education/Restoration

  • 1. Presented by Mark Bustamonte VR Tech Marketing Group 954-707-2932 www.vrtmg.com/mbustamonte
  • 2.
  • 3. Our service works with consumers to dispute any inaccuracies on their credit reports with the three major credit reporting agencies to help them obtain an error proof credit report.
  • 4. High interest rates deny many people the ability to purchase things through credit.
  • 5. Let us help you make good credit and financial independence a reality, not just a dream!
  • 6.
  • 7. Our corporate office is located in Farmington Hills, Michigan.
  • 8. We are members of the Better Business Bureau with no complaints.
  • 9.
  • 10. Your ability to get a checking account
  • 11. Rates on your auto insurance
  • 13.
  • 16.
  • 17. The CRA’s sell this information to lenders and other creditors.
  • 18. The CRA’s are not part of the government.
  • 19.
  • 20. 25% of which are serious enough to potentially result in a credit denial
  • 21.
  • 22. When filling out credit applications with different names, i.e., Bill Smith versus William Smith
  • 23. Your Social Security number was entered incorrectly on the application
  • 24. A clerical error was made when the lender transferred the data from the application
  • 25.
  • 26. The Federal Trade Commission is the government agency responsible for enforcing the FCRA
  • 27.
  • 28. Reflective of a borrower's past payment history, outstanding credit balances, and available credit capacity at a given point in time
  • 29. Creditors use these scores, known as FICO scores, when deciding whether or not to offer credit to consumers
  • 30. FICO scores range from 300 to 850 points
  • 31.
  • 34. Credit Score Interest Rate Monthly Payment 760-850 6.072% $604 660-699 6.578% $637 580-619 9.419% $835 Credit Score Interest Rate Monthly Payment 650 or higher - Indicates a very good credit profile. People falling into this range will usually be able to obtain credit quickly and at a good interest rate . 620 to 650 - The range which most credit scores fall. However, these consumers may find that potential creditors could require additional documentation for larger loans and the loan process may take longer as a result . 620 or less — May mean higher interest rates for borrowers. This does not mean that credit will be denied. The process will probably take longer and will be on less than ideal terms. The following table is based on a $100,000 30-year fixed mortgage from myfico.com. How Credit Scores are Used
  • 35.
  • 36. Amount of credit you owe versus your available credit (30%)
  • 37. The length of your credit history (15%)
  • 38. Types of credit used/your credit mix (10%)
  • 39. New credit that you are applying for (10%)
  • 40.
  • 42. Your salary, occupation, title, employer, date employed or employment history
  • 44. Any interest rate being charged on a particular credit card or other account
  • 45. Any items reported as child/family support obligations or rental agreements
  • 46. Certain types of inquiries (i.e., requests for your credit report)
  • 47. Whether or not you are participating in a credit counseling of any kind
  • 49.
  • 50.
  • 51. Understand how your credit score was calculated
  • 52. Help you effectively manage your finances
  • 53. Prepare and maintain a monthly budget
  • 54. Develop an action plan to reduce debt
  • 55. And much, much more!
  • 56.
  • 59.
  • 61.
  • 62. Apply for a secured credit card. You will be required to deposit a specified amount, usually $300 to $500 dollars into an account in their bank, and you will be issued a major credit card in the amount of the deposit.
  • 63.
  • 64. If you currently have credit, ask your creditors to increase your credit limit. This will improve your credit utilization ratio thereby improving your credit score.
  • 65. If you do not have a checking and savings account, apply for both. Having these accounts establishes you as part of the financial community and allows you to manage your money.
  • 66. Our service We help eliminate any inaccurate, erroneous and obsolete information reporting in your credit file
  • 67.
  • 68. Receive regular updates on the progress of your file, reflecting any deletions, additions or alterations
  • 69. Our active customer support is available to service your needs and answer your questions M-F, 9AM-5PM, EST.
  • 70. Access to your progress report online 24/7, 365 days per year
  • 71.
  • 72.
  • 73. Copy of a utility or other bill in customer’s name with current address
  • 74. The address must match the one on the customer enrollment form
  • 75.
  • 76. Copy of a health insurance card showing the SSN
  • 77. Copy of W2 tax form
  • 78. Copy of paycheck stub showing all 9 digits of the SSN
  • 79.
  • 80. Complete explanation of the dispute process
  • 81. A dispute letter to be reviewed by the customer
  • 82.
  • 83. The processing center will provide the customer with the necessary contact information for any questions.
  • 84.
  • 85. If no changes are required, the customer will sign each set of dispute letters and forward to TransUnion, Equifax and Experian.
  • 86.
  • 87. It is imperative that all correspondence is forwarded to the processing center immediately.
  • 88.
  • 89. New dispute letters are then prepared and mailed to the customer.
  • 90. This process will continue until the customer’s service expires.
  • 91.
  • 92. Our interactive customer support is available to answer questions, call 248-848-9065, option #1.
  • 93. The customer has access to their progress report online 24/7, 365 per year.
  • 94.
  • 95.
  • 96. Password: The last 4 digits of the customer’s SSN
  • 97.  
  • 98.  
  • 99. The Progress Report tab will show the customer’s accounts and their current status
  • 100. The Processing Report tab will show the customer’s accounts and their current dispute printing status
  • 101. Get the good credit you deserve! Restore your credit and change your life forever! For more information Mark Bustamonte Sales Director 954-707-2932 www.vrtmg.com/mbustamonte