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The document outlines the financial challenges faced by many Americans, including low credit scores, significant debt, and lack of retirement planning. It introduces Financial Education Services (FES), which provides credit restoration and various financial protection services, emphasizing the need for better financial education. Additionally, it discusses the potential for income generation through FES's business model and highlights common myths about credit management.

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The State Of America's Personal & Financial Affairs • About 43 million people have a 599 credit score or lower (Source: money.msn.com) • Nearly half of Americans don't know their credit score(Source: Huffington Post Money) • Average debt is over $225,000 with many having less than $500 in savings (Source: Investorplace) • 49% have no retirement and only 18% know they're on track to reach their income goals for retirement (Source: CNNMoney / Forbes)
The State Of America's Personal & Financial Affairs • 65% have no will, 82% have no trust & 71% have no power of attorney (Source: Lawyers.com) • Over $58 billion in unclaimed life insurance policies, bank accounts, pensions, stocks, other assets and property (Source: CNN Money) • Every 2 seconds an identity is stolen (Source: Javelin Strategy & Research)
What Is The Primary Reason? A Lack of Financial Education!
FINANCIAL EDUCATION SERVICES We Provide: • Financial education we needed a long time ago • Financial solutions with services that protect your identity, credit, family, finances, lifestyle and future • Lucrative and promising career opportunities
Mike Toloff Parimal Naik • Founded in 2004 • Headquartered in Farmington Hills, Michigan • A+ Rating with the Better Business Bureau • Over 30% consistent annual sales growth • Debt free • Same key executives since the company’s inception
Why FES? Think About It…How Many People… • Have less than perfect credit? • Have debt and no idea how to pay it off? • Don’t have their personal & financial affairs in order? • Don’t have life insurance? • Can’t even afford an annual vacation? • Need to make additional income? • Just want a solution and plan of action?
Credit Restoration • Today your credit score is like a vital sign, it’s being monitored at all times • It can impact insurance premiums & interest rates • You can be denied the ability to rent, purchase, get a credit card or even employment
Credit Restoration • Over the course of your lifetime less than an excellent credit rating could cost you $200,000 - $1,000,000 (Source: money.msn.com) 4 in 5 credit reports have errors on them causing l lower credit scores (Source: CBS News)
10 Myths About Your Credit Myth #1 ● Credit Agencies are empowered with some kind of governmental authority? ● Credit agencies have no legal authority at all, they are simply private companies who are in the business of selling credit information.
10 Myths About Your Credit Myth #2 The credit agencies are required by law to keep derogatory items on your credit report for 7 to 10 years? There is no law that the credit agencies report anything on you at all. Credit Agencies are required by law to automatically remove all derogatory items older than 7 years or in the case of a bankruptcy, 10 years.
10 Myths About Your Credit Myth #3 It is impossible to get a bankruptcy off? Bankruptcies come off just like any other derogatory that is incorrectly reported, obsolete, erroneous, misleading, incomplete, or that cannot be verified. Remember, the nature of the item has nothing to do with its removal under the Fair Credit Reporting Act.
10 Myths About Your Credit Myth # 4 The information on your credit report cannot be changed? The opposite is true under the Fair Credit Reporting Act; both the federal and various state laws REQUIRE that items be removed if they are not 100% accurate or cannot be verified in a timely manner.
10 Myths About Your Credit Myth #5 It is illegal or immoral to have the information on your credit report altered or removed? Not only is it not illegal or immoral, but it is what the Fair Credit Reporting Act is all about. It was enacted by congress for the very purpose of protecting consumers from the intrusion of the credit agencies into our lives.
10 Myths About Your Credit Myth #6 Paying a past due debt removes it from your credit report? Just because you pay an old debt does not change or erase the fact that at one time you were not paying on it as you agreed. Can this record be changed? Absolutely!
10 Myths About Your Credit Myth #7 Inquiries are not derogatory and will not affect your credit standing? Anything that erodes your financial credibility is damaging to your credit standing. In the case of inquiries, one or two is not too bad, but any more than that and they begin to tell a story of their own. Any prospective credit grantor will look at your credit report and think that you are desperate for credit.
10 Myths About Your Credit Myth #8 If you get a derogatory item removed, it will just come back? Not if it is removed legally. When it is removed with cause under the Fair Credit Reporting Act it cannot legally be placed back on your credit report. The same law that required its removal prohibits it from being placed back on.
10 Myths About Your Credit Myth #9 The past equals the future. This is the biggest myth of all. The concept that once bad, always bad, or at least for 7 years is totally false. Anybody can run into hard times or an emergency situation now and then, but that doesn't automatically mean that they are a poor credit risk for a magical 7 years. The simple truth is, no credit report can predict the future.
10 Myths About Your Credit Myth # 10 I cannot restore my credit on my own? Yes, you can! You can try to do it yourself (just like you can represent yourself as an attorney in a court of law). But you can also allow experienced professionals to educate you and assist you in restoring your credit profile.
You Can Restore Your Score ● The Fair Credit Reporting Act of 1971 gives Americans the right to dispute and/or investigate any item on their credit report: Inaccurate, erroneous & obsolete items such as late payments, charge-offs, foreclosures, judgments, repossessions, bankruptcies, tax liens, collections, short sales, medical bills, and many other items can be removed from your credit file or can be updated to reflect paid as agreed.
What Makes Up Your FICO Score Type of Credit 10% New Credit 10% Length of Credit History 15% Amounts Owed 30% Payment History 35% “How is your credit score determined?”
CREDIT RESTORATION United Credit Education Services ● Over 10 year history & track record ● “A+” Rating with the BBB ● Removed over 800,000 derogatory items from people’s credit reports ● Removed almost 100,000 public records ● 100% Satisfaction guarantee ● Tens of thousands of satisfied clients
DOCUMENTATION just two months, my credit score increased to the point that my car insurance premium was lowered by $2,000 per year!” ~ Yvette Reid, Cherry Hill, NJ Individual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES “My credit score went from a 586 to a 748 allowing me to purchase a new car with no money down and a very low monthly payment!” ~ Bryan Fallucca, Ft. Lauderdale, FL
DOCUMENTATIONIndividual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES After having our bankruptcy removed, we were able to purchase a home with a low, fixed interest rate, which saved us almost $1,000 per month.” ~ Johnny & Sandra Moler, Dallas, TX “After just 45 days I had a tax lien and a foreclosure deleted from my credit reports!” ~ Vinny Ho, Westminster CA
Credit Card Charge Off/Collections
Medical Bills/Auto Repo/Student Loans Charge Offs
Medical Bills
Collections
Student Loans/Charge Offs
Charge Offs/Auto Repo/Foreclosure
Monthly Option Available (No Contract) What Would It Be Worth To Have Excellent Credit? One Year Service= $499
The Protection Plan Membership A Plan That Protects Your Identity, Credit, Family, Finances, Lifestyle & Future!
What's In Your Protection Plan Membership?
Other Valuable Credit Building Services Credit Monitoring – Access to your credit, insurance scores and credit reports 24/7. Alerts if there is any change in your credit history or credit scores. Positive Credit Builder – Analysis of your credit profile with specific recommendations on building a positive credit rating. Credit Attorney – Taking legal action to fix credit reports, preventing abusive debt collectors and suing for money damages.
Identity Theft Protection • FTC says 9 million Americans have their identity stolen each year • LifeLock® watches over and protects your identity • The web is being patrolled at all times for the illegal selling or trading of your personal information • Up to a $1 MILLION service guarantee!
 Online debt payoff system helping you pay off your debts faster and more effectively  Interactive budgeting tool  Know exactly what time frame you will be out of debt  Out of debt in nearly half the amount of time with the same monthly payment  Once your debts are paid, if you take the same amount of money and invest just the amount you were paying in interest you would have a significant amount of money set aside for retirement!
Will, Trust, POA & Financial Lockbox A program developed by attorneys to complete at your own pace from the comfort of your home Update as needed with no add-ons or surprise fees Secure all your important information in this virtual password- protected safety deposit box Easy to use services with client support available
• Travel with confidence! Use your own FES custom discount travel portal • Access to thousands of the finest hotels, resorts and condos in more than 90 of the world's top vacation destinations! Packages include some of the best all-inclusive resorts in the Caribbean and Mexico • Custom trips that are thought of by you and carried out by a personal specialist. Options include: Family Cruises, Group Cruises, Grand Voyages, Destination Weddings, Luxury Vacations, African Safaris, Escorted Tours, and more! • Save big on Flights, Hotels, Car Rentals and Vacation Packages! • Create a Custom Trip of a lifetime with unprecedented savings!
Additional Benefits: • Shop online at your favorite retailers • Get cash back on all your purchases • Receive discounts ranging from 10% to 85% • Accepted at over 60,000 pharmacies nationwide
Over $10,000 Individually or Over $400 Per Month What Is Protecting Your Family, Lifestyle & Future Worth?
What Is Protecting Your Family, Lifestyle & Future Worth?
• Educates Young People From Ages 8 to 18 On The Matters Of Personal Finance. • Financial Literacy In Schools Across America. • Annual College Scholarships – The YFL Gave Away $50k in 2015. • Each Protection Plan Membership Donates $2 Each Month To The YFL. Youth Financial Literacy Foundation (YFL)
Just A Quick Recap Decide which service is the best fit for you: Option A - Credit Restoration Service - $499 Option B – Protection Plan Membership -$87 Congratulations On Restoring Your Credit Score!
How Many People Today Control Their… Income? Schedule? Advancement? Benefits? Retirement & Future?
Welcome To Hybrid Marketing… “Where Corporate America Meets Entrepreneurship”
How Do We Earn Income? WE HAVE TWO DIVISIONS Developing Corporate Accounts, Membership Sales & Sales of Individual Services & Business Development: Recruit, Train & Manage A Nationwide Sales Organization
Corporate Accounts Industries that require credit worthy clients and/or have clients with damaged credit. Real Estate AgentsCar DealershipsMortgage Brokers Tax ProfessionalsBankruptcy Attorneys Loan Modification / Debt Settlement Companies
Additional Corporate Account Opportunities Employee Payroll Deduction Offering Protection Plan Memberships To Companies, Large Organizations & Unions Add Apartment Or House Rental Payments As A Positive Trade Line To Credit Reports Refer Businesses For A Free Analysis Of Their Merchant Services To Save Up To 20% On Rates & Fees
We Earn Income & Benefits Several Ways - Personal Sales Commissions - Team Building Bonuses - Management Bonuses - Residual Income - Lifestyle Benefit Program - Trips, Rewards & Cash Incentives
For each $499 Credit Restoration sale, you can earn $150!!! Sales Commissions *Fast Track Bonus - 1st sale must be made within new Agent’s 1st 30 days. Agent with a Protection Plan $150 Customer $150 Customer $150 Customer
Theoretical Example: Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. If you only got 1 customer per week = $600.00/Month If you got 5 customers per week = over $3,000.00/Month If you got 15 customers per week = over $100,000.00/Year
Business Development “It’s better to get 1% of a hundred people’s efforts rather than 100% of your own.” ~ J. Paul Getty, Billionaire
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. AGENT PPM AGENT $100 CAB + Residual **Monthly Agent Team Volume
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT FIELD TRAINER 1,600 Team Volume** $160 CAB + Residual **Monthly Agent Team Volume
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT SENIOR FIELD TRAINER 5,000 Team Volume** $240 CAB + Residual **Monthly Agent Team Volume
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT SALES DIRECTOR 10,000 Team Volume** $380 CAB + Residual **Monthly Agent Team Volume
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. **Monthly Agent Team Volume PPM AGENT FIELD TRAINER 1,600 Team Volume** PPM AGENT $100 CAB + Residual$60 CAB + Residual
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. **Monthly Agent Team Volume PPM AGENT PPM AGENT SENIOR FIELD TRAINER 5,000 Team Volume** $100 CAB + Residual$140 CAB + Residual
Customer Acquisition Bonuses Enroll a new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. **Monthly Agent Team Volume PPM AGENT PPM AGENT SALES DIRECTOR 10,000 Team Volume** $100 CAB + Residual$280 CAB + Residual
Customer Acquisition Bonus (CAB)
Theoretical Residual Income Example: The POWER of the Protection Plan Membership
Theoretical Residual Income Example: The POWER of the Protection Plan Membership $75,000/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Theoretical Residual Income Example: The POWER of the Protection Plan Membership $75,000/mo $7,500/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Theoretical Residual Income Example: The POWER of the Protection Plan Membership $75,000/mo $7,500/mo $750/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
Building Towards Rest, Relaxation, & Retirement!!! The FES R & R Club (The Accumulation Of Personal & Team PPM – Min. 500 PPM Required) Up To $600 Monthly Audi Payment Onetime $10K, $25K & 50K Cash Bonuses Up To $1,500 Monthly Audi Payment $5k Monthly House Payment Monthly Retirement Bonus Up To $25k From $100K - $250K Monthly Lifetime Bonuses Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
TRAINING & SUPPORT
MAKING A BIG DECISION 1. It’s not for me at this time, but I certainly know some people this may be a good fit for or who definitely can benefit from these services. 2. I need some of the individual services myself or it might just be best for me to become a Protection Plan Member.
By Becoming A Referral Agent And Getting 5 PP Customers You’ll: ●Get All Of The Services For Free ●Be Eligible For Up To $100K In Life Ins ●Earn Over $700 Per Year “SOMETHING TO CONSIDER” “So basically, the company is paying you over $700 per year to utilize the power of the Protection Plan and to have up to $100K in life insurance!” MAKING A BIG DECISION Protection That Pays! YOUYOU
MAKING A BIG DECISION 1. It’s not for me at this time, but I certainly know some people this may be a good fit for or who definitely can benefit from these services. 2. I need some of the individual services myself or it might just be best for me to become a Protection Plan Member. 3. This makes perfect sense! I just need a game plan on how to get started! 1. 2. 3.
STEPS TO GETTING STARTED
Option A – Referral Agent: $286 $199 Enrollment + $87 Protection Plan Membership Focus: ●Acquiring Customers ●Getting Services for Free ●Building a Team of Agents ●Up to $100K in Life Insurance ●Supplemental Income STEPS TO GETTING STARTED Step #1 - Enroll & Become an Agent
STEPS TO GETTING STARTED Exclusive Money Saving Services That Protect Your Identity, Credit, Family, Finances, Lifestyle & Future!
Insurance Solutions *Up To $100,000 Life Insurance •No Medical Exam! •It’s FREE In Your PPM! * For Agents Only • Home and Auto Insurance • Renter’s Insurance • Health Insurance • Dental/Vision/Hearing • Other Important Insurance Products You have access to experienced insurance professionals for a no cost consultation for all your insurance needs. * Must Meet Eligibility Requirements
Option B – Pro Business Builder: $475 $199 + $87 + $189 Secrets of Success Training Focus: ●Acquiring Customers ●Getting Services for Free ●Up to $100K in Life Insurance ●Earning a Significant Income & Financial Freedom ●Building a Substantial Team of Agents ●R&R Club Membership STEPS TO GETTING STARTED Step #1 - Enroll & Become an Agent
FES University Secrets of Success What You And Your Team Will Learn: GETTING STARTED ✓ How to Establish Corporate Accounts ✓ How to Develop Credit Restoration Customers ✓ How to Sell Protection Plan Memberships ✓ How to Recruit a Team of Agents ✓ How to Manage a Nationwide Organization ✓ How to Understand and Maximize the Compensation Plan ✓ How to Build a Long-Term Residual Income ✓ The Right Mindset and Attitude for Success With FES ✓ Much More! LEARN FROM TOP PRODUCERS HOW TO BE A TOP PRODUCER!
How To Expose People To Financial Education Services “Become great at exposing while you learn to become great at explaining.” STEPS TO GETTING STARTED EDIFY & PROMOTE CONTACTS YOU FES Experts
This Means Two Things! 1. It doesn’t matter who invited you to take a look at FES or who enrolls you because they can’t impede your success. 1. You can plug people that you know into the system and they might go out and do better than you!
Just A Quick Recap Decide which category is the best fit for you: # 1 – Not interested but can provide some referrals # 2 – Become a PPM or get individual services # 3 – Become an Agent and secure a solid financial future •Option A – Referral Agent - $286 •Option B – Pro Business Builder - $475 8 4 Congratulations And Welcome To The FES Team!

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Protection plan presentation

  • 2.
    The State OfAmerica's Personal & Financial Affairs • About 43 million people have a 599 credit score or lower (Source: money.msn.com) • Nearly half of Americans don't know their credit score(Source: Huffington Post Money) • Average debt is over $225,000 with many having less than $500 in savings (Source: Investorplace) • 49% have no retirement and only 18% know they're on track to reach their income goals for retirement (Source: CNNMoney / Forbes)
  • 3.
    The State OfAmerica's Personal & Financial Affairs • 65% have no will, 82% have no trust & 71% have no power of attorney (Source: Lawyers.com) • Over $58 billion in unclaimed life insurance policies, bank accounts, pensions, stocks, other assets and property (Source: CNN Money) • Every 2 seconds an identity is stolen (Source: Javelin Strategy & Research)
  • 4.
    What Is ThePrimary Reason? A Lack of Financial Education!
  • 5.
    FINANCIAL EDUCATION SERVICES We Provide: •Financial education we needed a long time ago • Financial solutions with services that protect your identity, credit, family, finances, lifestyle and future • Lucrative and promising career opportunities
  • 6.
    Mike Toloff ParimalNaik • Founded in 2004 • Headquartered in Farmington Hills, Michigan • A+ Rating with the Better Business Bureau • Over 30% consistent annual sales growth • Debt free • Same key executives since the company’s inception
  • 7.
    Why FES? Think AboutIt…How Many People… • Have less than perfect credit? • Have debt and no idea how to pay it off? • Don’t have their personal & financial affairs in order? • Don’t have life insurance? • Can’t even afford an annual vacation? • Need to make additional income? • Just want a solution and plan of action?
  • 8.
    Credit Restoration • Todayyour credit score is like a vital sign, it’s being monitored at all times • It can impact insurance premiums & interest rates • You can be denied the ability to rent, purchase, get a credit card or even employment
  • 9.
    Credit Restoration • Overthe course of your lifetime less than an excellent credit rating could cost you $200,000 - $1,000,000 (Source: money.msn.com) 4 in 5 credit reports have errors on them causing l lower credit scores (Source: CBS News)
  • 10.
    10 Myths AboutYour Credit Myth #1 ● Credit Agencies are empowered with some kind of governmental authority? ● Credit agencies have no legal authority at all, they are simply private companies who are in the business of selling credit information.
  • 11.
    10 Myths AboutYour Credit Myth #2 The credit agencies are required by law to keep derogatory items on your credit report for 7 to 10 years? There is no law that the credit agencies report anything on you at all. Credit Agencies are required by law to automatically remove all derogatory items older than 7 years or in the case of a bankruptcy, 10 years.
  • 12.
    10 Myths AboutYour Credit Myth #3 It is impossible to get a bankruptcy off? Bankruptcies come off just like any other derogatory that is incorrectly reported, obsolete, erroneous, misleading, incomplete, or that cannot be verified. Remember, the nature of the item has nothing to do with its removal under the Fair Credit Reporting Act.
  • 13.
    10 Myths AboutYour Credit Myth # 4 The information on your credit report cannot be changed? The opposite is true under the Fair Credit Reporting Act; both the federal and various state laws REQUIRE that items be removed if they are not 100% accurate or cannot be verified in a timely manner.
  • 14.
    10 Myths AboutYour Credit Myth #5 It is illegal or immoral to have the information on your credit report altered or removed? Not only is it not illegal or immoral, but it is what the Fair Credit Reporting Act is all about. It was enacted by congress for the very purpose of protecting consumers from the intrusion of the credit agencies into our lives.
  • 15.
    10 Myths AboutYour Credit Myth #6 Paying a past due debt removes it from your credit report? Just because you pay an old debt does not change or erase the fact that at one time you were not paying on it as you agreed. Can this record be changed? Absolutely!
  • 16.
    10 Myths AboutYour Credit Myth #7 Inquiries are not derogatory and will not affect your credit standing? Anything that erodes your financial credibility is damaging to your credit standing. In the case of inquiries, one or two is not too bad, but any more than that and they begin to tell a story of their own. Any prospective credit grantor will look at your credit report and think that you are desperate for credit.
  • 17.
    10 Myths AboutYour Credit Myth #8 If you get a derogatory item removed, it will just come back? Not if it is removed legally. When it is removed with cause under the Fair Credit Reporting Act it cannot legally be placed back on your credit report. The same law that required its removal prohibits it from being placed back on.
  • 18.
    10 Myths AboutYour Credit Myth #9 The past equals the future. This is the biggest myth of all. The concept that once bad, always bad, or at least for 7 years is totally false. Anybody can run into hard times or an emergency situation now and then, but that doesn't automatically mean that they are a poor credit risk for a magical 7 years. The simple truth is, no credit report can predict the future.
  • 19.
    10 Myths AboutYour Credit Myth # 10 I cannot restore my credit on my own? Yes, you can! You can try to do it yourself (just like you can represent yourself as an attorney in a court of law). But you can also allow experienced professionals to educate you and assist you in restoring your credit profile.
  • 20.
    You Can RestoreYour Score ● The Fair Credit Reporting Act of 1971 gives Americans the right to dispute and/or investigate any item on their credit report: Inaccurate, erroneous & obsolete items such as late payments, charge-offs, foreclosures, judgments, repossessions, bankruptcies, tax liens, collections, short sales, medical bills, and many other items can be removed from your credit file or can be updated to reflect paid as agreed.
  • 21.
    What Makes UpYour FICO Score Type of Credit 10% New Credit 10% Length of Credit History 15% Amounts Owed 30% Payment History 35% “How is your credit score determined?”
  • 25.
    CREDIT RESTORATION United CreditEducation Services ● Over 10 year history & track record ● “A+” Rating with the BBB ● Removed over 800,000 derogatory items from people’s credit reports ● Removed almost 100,000 public records ● 100% Satisfaction guarantee ● Tens of thousands of satisfied clients
  • 26.
    DOCUMENTATION just two months,my credit score increased to the point that my car insurance premium was lowered by $2,000 per year!” ~ Yvette Reid, Cherry Hill, NJ Individual Results May Vary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES “My credit score went from a 586 to a 748 allowing me to purchase a new car with no money down and a very low monthly payment!” ~ Bryan Fallucca, Ft. Lauderdale, FL
  • 27.
    DOCUMENTATIONIndividual Results MayVary.. Some Of The Testimonials Given May Also Be Independent Agents Of FES After having our bankruptcy removed, we were able to purchase a home with a low, fixed interest rate, which saved us almost $1,000 per month.” ~ Johnny & Sandra Moler, Dallas, TX “After just 45 days I had a tax lien and a foreclosure deleted from my credit reports!” ~ Vinny Ho, Westminster CA
  • 28.
    Credit Card ChargeOff/Collections
  • 29.
  • 30.
  • 31.
  • 32.
  • 33.
  • 34.
    Monthly Option Available (NoContract) What Would It Be Worth To Have Excellent Credit? One Year Service= $499
  • 35.
    The Protection PlanMembership A Plan That Protects Your Identity, Credit, Family, Finances, Lifestyle & Future!
  • 36.
    What's In Your ProtectionPlan Membership?
  • 37.
    Other Valuable CreditBuilding Services Credit Monitoring – Access to your credit, insurance scores and credit reports 24/7. Alerts if there is any change in your credit history or credit scores. Positive Credit Builder – Analysis of your credit profile with specific recommendations on building a positive credit rating. Credit Attorney – Taking legal action to fix credit reports, preventing abusive debt collectors and suing for money damages.
  • 38.
    Identity Theft Protection •FTC says 9 million Americans have their identity stolen each year • LifeLock® watches over and protects your identity • The web is being patrolled at all times for the illegal selling or trading of your personal information • Up to a $1 MILLION service guarantee!
  • 39.
     Online debtpayoff system helping you pay off your debts faster and more effectively  Interactive budgeting tool  Know exactly what time frame you will be out of debt  Out of debt in nearly half the amount of time with the same monthly payment  Once your debts are paid, if you take the same amount of money and invest just the amount you were paying in interest you would have a significant amount of money set aside for retirement!
  • 40.
    Will, Trust, POA& Financial Lockbox A program developed by attorneys to complete at your own pace from the comfort of your home Update as needed with no add-ons or surprise fees Secure all your important information in this virtual password- protected safety deposit box Easy to use services with client support available
  • 41.
    • Travel withconfidence! Use your own FES custom discount travel portal • Access to thousands of the finest hotels, resorts and condos in more than 90 of the world's top vacation destinations! Packages include some of the best all-inclusive resorts in the Caribbean and Mexico • Custom trips that are thought of by you and carried out by a personal specialist. Options include: Family Cruises, Group Cruises, Grand Voyages, Destination Weddings, Luxury Vacations, African Safaris, Escorted Tours, and more! • Save big on Flights, Hotels, Car Rentals and Vacation Packages! • Create a Custom Trip of a lifetime with unprecedented savings!
  • 42.
    Additional Benefits: • Shoponline at your favorite retailers • Get cash back on all your purchases • Receive discounts ranging from 10% to 85% • Accepted at over 60,000 pharmacies nationwide
  • 44.
    Over $10,000 Individually or Over$400 Per Month What Is Protecting Your Family, Lifestyle & Future Worth?
  • 45.
    What Is ProtectingYour Family, Lifestyle & Future Worth?
  • 46.
    • Educates YoungPeople From Ages 8 to 18 On The Matters Of Personal Finance. • Financial Literacy In Schools Across America. • Annual College Scholarships – The YFL Gave Away $50k in 2015. • Each Protection Plan Membership Donates $2 Each Month To The YFL. Youth Financial Literacy Foundation (YFL)
  • 47.
    Just A QuickRecap Decide which service is the best fit for you: Option A - Credit Restoration Service - $499 Option B – Protection Plan Membership -$87 Congratulations On Restoring Your Credit Score!
  • 49.
    How Many PeopleToday Control Their… Income? Schedule? Advancement? Benefits? Retirement & Future?
  • 50.
    Welcome To Hybrid Marketing… “WhereCorporate America Meets Entrepreneurship”
  • 51.
    How Do WeEarn Income? WE HAVE TWO DIVISIONS Developing Corporate Accounts, Membership Sales & Sales of Individual Services & Business Development: Recruit, Train & Manage A Nationwide Sales Organization
  • 52.
    Corporate Accounts Industries thatrequire credit worthy clients and/or have clients with damaged credit. Real Estate AgentsCar DealershipsMortgage Brokers Tax ProfessionalsBankruptcy Attorneys Loan Modification / Debt Settlement Companies
  • 53.
    Additional Corporate AccountOpportunities Employee Payroll Deduction Offering Protection Plan Memberships To Companies, Large Organizations & Unions Add Apartment Or House Rental Payments As A Positive Trade Line To Credit Reports Refer Businesses For A Free Analysis Of Their Merchant Services To Save Up To 20% On Rates & Fees
  • 54.
    We Earn Income& Benefits Several Ways - Personal Sales Commissions - Team Building Bonuses - Management Bonuses - Residual Income - Lifestyle Benefit Program - Trips, Rewards & Cash Incentives
  • 55.
    For each $499 CreditRestoration sale, you can earn $150!!! Sales Commissions *Fast Track Bonus - 1st sale must be made within new Agent’s 1st 30 days. Agent with a Protection Plan $150 Customer $150 Customer $150 Customer
  • 56.
    Theoretical Example: Financial EducationServices, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. If you only got 1 customer per week = $600.00/Month If you got 5 customers per week = over $3,000.00/Month If you got 15 customers per week = over $100,000.00/Year
  • 57.
    Business Development “It’s betterto get 1% of a hundred people’s efforts rather than 100% of your own.” ~ J. Paul Getty, Billionaire
  • 58.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. AGENT PPM AGENT $100 CAB + Residual **Monthly Agent Team Volume
  • 59.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT FIELD TRAINER 1,600 Team Volume** $160 CAB + Residual **Monthly Agent Team Volume
  • 60.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT SENIOR FIELD TRAINER 5,000 Team Volume** $240 CAB + Residual **Monthly Agent Team Volume
  • 61.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. PPM AGENT SALES DIRECTOR 10,000 Team Volume** $380 CAB + Residual **Monthly Agent Team Volume
  • 62.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. **Monthly Agent Team Volume PPM AGENT FIELD TRAINER 1,600 Team Volume** PPM AGENT $100 CAB + Residual$60 CAB + Residual
  • 63.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. **Monthly Agent Team Volume PPM AGENT PPM AGENT SENIOR FIELD TRAINER 5,000 Team Volume** $100 CAB + Residual$140 CAB + Residual
  • 64.
    Customer Acquisition Bonuses Enrolla new Agent with a Protection Plan Membership and help them produce $340* in sales within their first 70 days. *Any combination of sales that total $340 will trigger a Customer Acquisition Bonus Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability. **Monthly Agent Team Volume PPM AGENT PPM AGENT SALES DIRECTOR 10,000 Team Volume** $100 CAB + Residual$280 CAB + Residual
  • 65.
  • 66.
    Theoretical Residual IncomeExample: The POWER of the Protection Plan Membership
  • 67.
    Theoretical Residual IncomeExample: The POWER of the Protection Plan Membership $75,000/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 68.
    Theoretical Residual IncomeExample: The POWER of the Protection Plan Membership $75,000/mo $7,500/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 69.
    Theoretical Residual IncomeExample: The POWER of the Protection Plan Membership $75,000/mo $7,500/mo $750/mo Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 70.
    Building Towards Rest,Relaxation, & Retirement!!! The FES R & R Club (The Accumulation Of Personal & Team PPM – Min. 500 PPM Required) Up To $600 Monthly Audi Payment Onetime $10K, $25K & 50K Cash Bonuses Up To $1,500 Monthly Audi Payment $5k Monthly House Payment Monthly Retirement Bonus Up To $25k From $100K - $250K Monthly Lifetime Bonuses Financial Education Services, Inc., and any of their affiliate companies make(s) no guarantees to the level of financial success an Independent Agent can achieve. All examples are purely theoretical for explanation purposes only. All income you receive will depend upon your individual effort and ability.
  • 71.
  • 72.
    MAKING A BIGDECISION 1. It’s not for me at this time, but I certainly know some people this may be a good fit for or who definitely can benefit from these services. 2. I need some of the individual services myself or it might just be best for me to become a Protection Plan Member.
  • 73.
    By Becoming AReferral Agent And Getting 5 PP Customers You’ll: ●Get All Of The Services For Free ●Be Eligible For Up To $100K In Life Ins ●Earn Over $700 Per Year “SOMETHING TO CONSIDER” “So basically, the company is paying you over $700 per year to utilize the power of the Protection Plan and to have up to $100K in life insurance!” MAKING A BIG DECISION Protection That Pays! YOUYOU
  • 74.
    MAKING A BIGDECISION 1. It’s not for me at this time, but I certainly know some people this may be a good fit for or who definitely can benefit from these services. 2. I need some of the individual services myself or it might just be best for me to become a Protection Plan Member. 3. This makes perfect sense! I just need a game plan on how to get started! 1. 2. 3.
  • 75.
  • 76.
    Option A –Referral Agent: $286 $199 Enrollment + $87 Protection Plan Membership Focus: ●Acquiring Customers ●Getting Services for Free ●Building a Team of Agents ●Up to $100K in Life Insurance ●Supplemental Income STEPS TO GETTING STARTED Step #1 - Enroll & Become an Agent
  • 78.
    STEPS TO GETTINGSTARTED Exclusive Money Saving Services That Protect Your Identity, Credit, Family, Finances, Lifestyle & Future!
  • 79.
    Insurance Solutions *Up To$100,000 Life Insurance •No Medical Exam! •It’s FREE In Your PPM! * For Agents Only • Home and Auto Insurance • Renter’s Insurance • Health Insurance • Dental/Vision/Hearing • Other Important Insurance Products You have access to experienced insurance professionals for a no cost consultation for all your insurance needs. * Must Meet Eligibility Requirements
  • 80.
    Option B –Pro Business Builder: $475 $199 + $87 + $189 Secrets of Success Training Focus: ●Acquiring Customers ●Getting Services for Free ●Up to $100K in Life Insurance ●Earning a Significant Income & Financial Freedom ●Building a Substantial Team of Agents ●R&R Club Membership STEPS TO GETTING STARTED Step #1 - Enroll & Become an Agent
  • 81.
    FES University Secretsof Success What You And Your Team Will Learn: GETTING STARTED ✓ How to Establish Corporate Accounts ✓ How to Develop Credit Restoration Customers ✓ How to Sell Protection Plan Memberships ✓ How to Recruit a Team of Agents ✓ How to Manage a Nationwide Organization ✓ How to Understand and Maximize the Compensation Plan ✓ How to Build a Long-Term Residual Income ✓ The Right Mindset and Attitude for Success With FES ✓ Much More! LEARN FROM TOP PRODUCERS HOW TO BE A TOP PRODUCER!
  • 82.
    How To ExposePeople To Financial Education Services “Become great at exposing while you learn to become great at explaining.” STEPS TO GETTING STARTED EDIFY & PROMOTE CONTACTS YOU FES Experts
  • 83.
    This Means TwoThings! 1. It doesn’t matter who invited you to take a look at FES or who enrolls you because they can’t impede your success. 1. You can plug people that you know into the system and they might go out and do better than you!
  • 84.
    Just A QuickRecap Decide which category is the best fit for you: # 1 – Not interested but can provide some referrals # 2 – Become a PPM or get individual services # 3 – Become an Agent and secure a solid financial future •Option A – Referral Agent - $286 •Option B – Pro Business Builder - $475 8 4 Congratulations And Welcome To The FES Team!