This document provides information about credit scores, debt, and credit repair services. It discusses how the minimum credit score to qualify for a mortgage has increased to 620, with 700 now considered a good score. It notes that over 35 million Americans are in debt, totaling over $1 trillion in credit card debt alone. The document then summarizes the services offered by Total Empowerment Network to help people repair their credit, remove negative items from reports, pay down debt without lifestyle changes, and learn how to properly manage their finances and leverage their money.

1. LEARN HOW TO GET OUT OF DEBT & HAVE EXCELLENT CREDIT ? BY THE TOTAL EMPOWERMENT NETWORK THE REAL APPROACH TO HEALTHY CREDIT & ELIMINATING DEBT

2. ARE YOU FACING any of THESE ISSUES? Debt overload? Credit problems? Job loss or layoff? Salary cut? Credit overextended? Savings & Retirement funds depleted? Foreclosure, eviction, repossession? Judgments, garnishment? You Are Not Alone

4. Americans now owe over 1 trillion dollars in credit card debt!

6. Americans are lumbering under about 1 trillion dollars in CREDIT CARD debt alone! No wonder credit card companies will earn over 20 billion dollars in just penalty fees this year.

7. THE NEW MODEL FOR CREDIT SCORES vs INTEREST RATES *BASED ON A 30 YEAR MORTGAGE WHAT THE NEW MODEL MEANS

8. The New Credit Score Model A 620 credit score is now the minimum to qualify for a mortgage. Only a few years ago, this same score was considered good, but now this is actually considered a low score. A 700+score is now viewed as a good credit score. In order to have a 700 or better, there can be very little derogatory credit, again very little. This means you need to understand what it takes to have a good credit score or it will cost you a LOT of money.

9. THE DEMAND FOR GOOD CREDIT IS INCREASING Housing Employment Education (student loans) Insurance Major Purchases (car, furniture, etc.) Utilities (cable, telephone, etc.) Building Wealth Retirement 700 720 750

10. Misconceptions About Credit If you pay off an account you should always close it. If a person has filed bankruptcy it will take 7-10 years before they will be approved for credit. If you have a recent foreclosure you can’t buy a house. As long as you are paying your bills on time, you will have a great credit rating. No credit is viewed as good credit. We can help you regardless of your current situation!

12. We know where you can obtain credit regardless of YOUR credit history.

14. Pay off your DEBT with making little or no changes to your current lifestyle.

15. You will learn how to leverage your money and make it work for you.

18. Our system will not require you to change your lifestyle or adhere to a stringent budget. We teach you simple methods to utilize in order to leverage your money properly.

19. We will teach you debt negotiation techniques that will reduce the amount you owe saving you a ton of money!

20. You will learn how to take control over your life and take the power away from your creditors.

23. Comparison

24. Company Information WEBSITE:www.totalempowermentnet.com/credit1.html EMAIL: www.totalempowementnet@yahoo.com TELEPHONE: (313) 574-3625