This document provides information about credit reports, credit scores, and credit restoration. It discusses the three major credit reporting agencies (Equifax, TransUnion, and Experian), how credit scores are determined, and what a good or bad credit score means. It outlines the Fair Credit Reporting Act and consumers' rights to dispute inaccurate or unverifiable information on their credit reports. The document advertises credit restoration and dispute assistance services from New Home Solutions & Investments that can help consumers write dispute letters and remove derogatory items like bankruptcies, foreclosures, and collections from their credit reports. Pricing for these services starts at $1350 and includes credit education materials and assistance submitting disputes to the three credit bure

1. New Home Solutions & Investments
Credit Education & Dispute Assistance
What You Should Know
How The Law Protects & Restores Your Credit
Credit Restoration & Education

2. Credit Reporting Agencies
There are 3 predominant credit reporting
agencies in the United States:
Equifax
TransUnion
Experian
The credit reporting agencies assign
each individual a Credit Score.

3. Credit Scores
What is a Credit Score
Excellent: 750 +
Very Good: 720 +
Acceptable: 660 +
Uncertain: 620 +
Risky: 620 below
FICO
• Fair Isaac Corporation
• Founded 1956 by engineer
Bill Fair & mathematician
Earl Isaac.
• Measure of Credit Risk
• Most Used Credit Score in
the World
• Based in Minneapolis, MN.

4. Credit Scores
Who Looks At Your
Credit Score?
 Lenders




Insurers
Landlords
Employers
Cell Phone Co’s
Low FICO Scores =
Higher Interest
Rates and Higher
Payments!

5. Credit Restoration
Why Credit Restoration Is
Important Today
1. We didn’t cause the financial environment of
today.
2. 8 out of 10 people today need Credit
Education and Credit Restoration.
3. We should not be penalized for
circumstances beyond our control.

6. Restoration vs. “Repair”
Credit Restoration
Credit Repair
• Deletions are permanent
according to FCRA
• Deletions can be ReReported
• Disputes Reporting Law
• Disputes Line Items
• Not concerned with “what”
is on the Report
• Only concerned with what
is on the report
• Restores credit using the
Federal Law
• No legal basis for cleaning
ALL derogatory info
• It Works… Every Time!
• Repair is restricted and
temporary

7. Fair Credit Reporting Act of 1971
200 Laws – 400 By-laws
Bureaus’ Reporting
Responsibilities
Penalties

8. Fair Credit Reporting Act of 1971
Section 609
Enacted by
Congress to
Protect Consumers
from Credit Report
information that
is…
Inaccurate
Outdated
Misleading
Unverifiable

9. Fair Credit Reporting Act of 1971
Verifiable Information
ATTENTION CONSUMERS! – The Fair Credit
Reporting Act of 1971 states that the credit
bureaus MUST have verifiable proof with
supporting documents and signatures in their
repositories when the credit holder requests them.
ATTENTION CONSUMERS! – THE CREDIT
BUREAUS DO NOT HAVE THESE DOCUMENTS!
ATTENTION CONSUMERS! THE CREDIT BUREAUS
HAVE NEVER HAD THESE DOCUMENTS ON
HAND… SINCE 1971!

10. Fair Credit Reporting Act of 1971
Permanent Removal
ATTENTION CONSUMERS! - The Fair Credit
Reporting Act of 1971 states that if the credit
bureau does not have the verifiable proof with
the supporting documents and signatures, they
MUST permanently remove all derogatory items
from the credit report…
IF THE CREDIT BUREAUS ARE NOT IN COMPLIANCE,
THEY SUBJECT THEMSELVES TO A STATUTORY
PENALTY PER LINE ITEM REPORTED!

11. Credit Restoration
7 Actions To Help Restore
Your Own Credit
1. Write letters using the Fair Credit Reporting Act.
2. Understand the law regarding Bureaus responsibility
to respond to your letters.
3. Use your attorney to help you with your case.
4. Include Your State’s Attorney General in ALL
Correspondence.
5. Let the Federal Trade Commission (FTC) assist you.
6. Be Patient.
7. Be Ready for Great Support…ALL THE WAY!

12. Credit Restoration
Too Busy To Restore Your
Own Credit?
There Is A
Solution!
www.WeProtectFamilies.com

13. Credit Education & Dispute Assistance

14. Credit Education & Dispute Assistance
The Process
 Client enrolls in NHSILLC Credit Restoration & Dispute
Assistance Program
 Client file is submitted to the Processing Center
 Client receives via email - *Credit System, Debt
Management & Budgeting - *Credit Blueprint System
 Dispute letters are drafted and prepared for clients
signatures.
 Dispute letters are mailed to each of the three credit
bureaus.
 Each credit bureau will respond back to the client & the
client will forward response to the Processing Center.

15. Credit Education & Dispute Assistance
The worst thing you can do about YOUR
credit is NOTHING!
Our service will remove the following items in your
credit file, from ALL 3 credit bureaus.
Including, but not limited to:
Bankruptcies, Foreclosures, Judgments and Tax
Liens
Charge offs, Collections, Medical Accounts
Remove bad credit & Raise your credit score in
30 – 90 days
Clear your credit report, and obtain funding
---- Money to use anyway you want ----

16. Credit Education & Dispute Assistance
Pricing Begins at
 $1350 per individual
includes:
 *Credit System, Debt Management & Budgeting eBook
 *Credit Blueprint System
 Special pricing for couples
 Payment Plan Available
CALL TODAY! 972-432-5500
EMAIL TODAY! FixMyCredit@nhsillc.com
Online Application! www.WeProtectFamiles.com
GET STARTED NOW
Schedule Your FREE, No-Obligation Consultation

17. Credit Education & Dispute Assistance
Cedric L. Brown
President
13601 Preston Road
Suite E520
Dallas, TX 75240
Thank You for your time!!
Restore Your Credit – Restore Your Family – Restore Your Life