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  1. 1. The Ucan2fs Business Opportunity with Credit Repair and FICO
  2. 2. Ucan2fs is a premier national network marketing company that offers credit and other financial solution services to the public Ucan2fs Corporate Headquarters in Glendale, CA
  3. 3. <ul><li>Network Marketing </li></ul><ul><li>Credit Solutions Industry </li></ul><ul><li>Home-based Business </li></ul>Ucan2fs is involved in 3 powerful trends
  4. 4. … it’s all about you telling people and those people telling more people after that… <ul><li>Helping People </li></ul><ul><li>By offering them the services and the business opportunity </li></ul><ul><li>Making Money </li></ul><ul><li>By offering them the services and the business opportunity </li></ul>Ucan2fs offers U 2 major opportunities:
  5. 5. National Credit Education Services Let’s talk Credit with
  6. 6. Program Overview National Credit Education Services assists consumers in exercising their right to verify their credit reports for inaccuracies that are adversely affecting their credit rating. According to the Fair Credit Reporting Act.
  7. 7. Credit Restoration & Education <ul><li>NCES is a Credit Restoration and Education Company that offers unique approaches to credit repair. </li></ul><ul><li>For a flat fee of $ 699 for one full year of service, our Electronic Dispute Process (EDP) assists clients in exercising their right to inquire about accurate reporting of data on their credit reports. </li></ul><ul><li>This program is fast, efficient, and effective. </li></ul><ul><li>We also offer the Letter Writing Process (LWP) at $499 flat fee for one full year of service that is slower and less efficient. </li></ul>
  8. 8. PARADIGM A set of assumptions, concepts, values, and practices that constitutes a way of viewing reality for the community that shares them. A belief System. “ Knowledge is Power” Think out of the box
  9. 9. Length of time the following items stay on Credit Reports? <ul><li>Bankruptcies 7, 11 and 13 10 Years </li></ul><ul><li>Collections 7 Years </li></ul><ul><li>Public Record 10 Years </li></ul><ul><li>Inquiries 2 Years </li></ul><ul><li>Chex Systems (for banks) 5 Years </li></ul><ul><li>Telecheck (for merchants) 5 Years </li></ul><ul><li>SCAN (for merchants) 5 Years </li></ul><ul><li>Regulated by FTC through Fair Credit Reporting Act </li></ul>
  10. 10. CREDIT CONTROLS OUR LIVES <ul><li>Limits or expands our financial stability </li></ul><ul><li>Increases or decreases our quality of life </li></ul><ul><li>Opens or closes doors to employment opportunities and promotions </li></ul><ul><li>Affects our income by way of interest rates </li></ul><ul><li>Limits or expands our purchasing power </li></ul>
  11. 11. FICO F air I saac Co mpany Provides risk assessment software to the 3 Credit Reporting Agencies (CRAs) Experian (formerly TRW), Trans Union & Equifax Vantage Score New Scoring Model developed by the Big 3 To compete against FICO - Range from 501 -900
  12. 12. FICO Score Basics <ul><li>Scores are damaged by the most recently reported derogatory information </li></ul><ul><li>Derogatory information reported prior to 2 years does not highly impact score </li></ul><ul><li>FICO has 88 Negative Rating Factors and only 6 Positive Rating Factors </li></ul><ul><li>FICO measures whether a person is moving towards or away from Bankruptcy </li></ul><ul><li>There are only 5 scoring factors that you can control </li></ul>
  13. 13. Two Areas of Credit that need Attention <ul><li>Credit Repair </li></ul><ul><li>FICO Enhancement </li></ul><ul><li>With an understanding of the system, </li></ul><ul><li>a person can improve his or her credit rating </li></ul><ul><li>from D to A in a few months . </li></ul>
  14. 14. Consumer’s Right To Accuracy The Fair Credit Reporting Act: In 1971, Congress passed the Fair Credit Reporting Act (FCRA). The FCRA was passed with the intention to regulate the credit-reporting agencies (CRA). The Act spelled out all the rules and regulations that the credit-reporting agencies have to follow before they put anything on someone’s credit report. For the past four decades, those agencies have ignored most of the law. Information about “you” has to be absolutely accurate and verified before it is entered on your credit reports. If “reasonable procedures” have not been correctly followed, then any verified inaccuracies must be removed from your credit reports as defined in the FCRA. The three credit reporting agencies are Experian (formerly TRW), Equifax and Trans Union . There are other reporting agencies also that purchase their information from the Big-3, so if you repair your credit with the Big-3, you basically repair it with everyone.
  15. 15. Page 1: Client completes basic Enrollment Application A) Enters personal data B) Selects method of payment (3 options)
  16. 16. Page 2: Terms and conditions of enrollment Page 3: Client reviews Information Statement and signs Power of Attorney
  17. 17. Page 4: Additional documents Needed A) Verification of Client’s Social Security Number B) Address Verification (copy of driver’s license)
  18. 18. NCES sends the client a Welcome Letter With educational material.
  19. 43. What is the definition of “inaccurate, erroneous, or obsolete information?” <ul><li>Inaccurate information is any information that cannot be verified by the CRA and/or the creditor. </li></ul><ul><li>Erroneous information is any information that has been entered onto a consumer’s credit reports due to human error (data entry error), Social Security Number mismatch error, mixed file error, similar names error, “reasonable procedures” were not followed when the information was entered on the credit report, or any such related error. This happens more often than you think! </li></ul><ul><li>Obsolete information is any information that is beyond the industry standard of seven years; or ten years for bankruptcy. </li></ul>
  20. 44. Collections, Judgments & Liens <ul><li>The BIG Question about old accounts. </li></ul><ul><li>Judgments will reflect as “Satisfied” when paid. </li></ul><ul><li>Collections will reflect as “Paid” when paid. </li></ul><ul><li>Liens will reflect as “Released” when paid. </li></ul>
  21. 45. Remember FICO Score Basics page? <ul><li>FICO has 88 Negative Rating Factors and only 6 Positive Rating Factors </li></ul><ul><li>There are only 5 scoring factors that you can control </li></ul>
  22. 46. FICO scoring factors you can control <ul><li>35% Payment History </li></ul>
  23. 47. <ul><li>35% Payment History </li></ul><ul><li>30% Amounts Owed </li></ul>FICO scoring factors you can control
  24. 48. <ul><li>35% Payment History </li></ul><ul><li>30% Amounts Owed </li></ul><ul><li>15% Length of Credit History </li></ul>FICO scoring factors you can control
  25. 49. <ul><li>35% Payment History </li></ul><ul><li>30% Amounts Owed </li></ul><ul><li>15% Length of Credit History </li></ul><ul><li>10% New Credit </li></ul>FICO scoring factors you can control
  26. 50. <ul><li>35% Payment History </li></ul><ul><li>30% Amounts Owed </li></ul><ul><li>15% Length of Credit History </li></ul><ul><li>10% New Credit </li></ul><ul><li>10% Types and Numbers of Credit Cards to Use! </li></ul>FICO scoring factors you can control
  27. 51. <ul><li>How can you </li></ul><ul><li>make a difference in </li></ul><ul><li>your community and set </li></ul><ul><li>yourself apart? </li></ul>
  28. 52. Help your Credit–Challenged Clients. <ul><li>Offer the one year $699 electronic Credit Repair program and see results in 2 to 4 months and sometimes even sooner </li></ul><ul><li>Unlimited Derogs, Disputes & Deletions </li></ul><ul><li>Monitor Accounts by phone or with updates </li></ul><ul><li>Enhance your professional services </li></ul><ul><li>Build a pipeline of pending deals </li></ul><ul><li>Make a difference in people’s lives </li></ul>
  29. 53. Let’s make Money with
  30. 54. In the Ucan2fs Profit Plan you can benefit from … PLUS Keep in mind that all these income channels are cumulative and can reward you generously for your efforts. 6 Retail & Residual Income 4 Recruit (CAB) Customer Acquisition Bonus Plus Coded Sector Program
  31. 55. The Ucan2-fs … Retail and Residual Program Acquiring Retail Clients 6 Profit Centers
  32. 56. $ 220 Direct Retail Commission on $699 Credit Repair service purchased by your Clients $Earn… 1 st Profit Center
  33. 57. Levels 1 thru 6 Payouts $10 each <ul><li>Levels </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$220 C/R </li></ul>$Earn… 2 nd Profit Center
  34. 58. Levels 1 - 6 Payouts, PLUS additional $20 to Enroller <ul><li>Levels </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 </li></ul><ul><li>$10 + $20 </li></ul><ul><li>$220 C/R </li></ul>$Earn… 3 rd Profit Center
  35. 59. Plus…The Ucan2-fs Customer Acquisition Bonus Program ( CAB ) Recruiting and Qualifying IBOs 4 Ways To Profit
  36. 60. $ 100 to $ 275 Customer Acquisition Bonuses (CAB) $Earn… 1 st Way To Profit
  37. 61. Generate Your First CAB YOU C IBO C $100 CAB BONUS Now CAB Qualified Enroll
  38. 62. An Enroller – An existing IBO that first explains the business opportunity to a potential new Representative (IBO) and enrolls him. A Sponsor – The IBO that becomes the immediate up-line to the new Representative (IBO). Note: An Enroller and a Sponsor can be the same person Enroller & Sponsor Relationships
  39. 63. Level-1 You are Bob’s Enroller and also Bob’s Sponsor Bob You enroll Bob YOU Enroller & Sponsor Relationships
  40. 64. Level-1 You are Bob’s & Sue’s Enroller & Sponsor Sue Bob You enroll Sue YOU Enroller & Sponsor Relationships
  41. 65. You are Sue’s Enroller Bob is Sue’s Sponsor Level-2 Level-1 Bob YOU You place Sue under Bob Sue Why would you do this? To build a team! Enroller & Sponsor Relationships
  42. 66. $ 50 to $ 175 Differential Coded Sector CAB Bonuses Through Unlimited Depth $Earn… 2 nd Way To Profit
  43. 67. Complete a TEAM and achieve Qualified Executive Now Start Earning Differential Coded Sector CAB Bonuses to Unlimited Depth CAB Qualified Supervisor YOU CAB Qualified Supervisor Bob CQS CAB Qualified Sue CQ CAB Qualified
  44. 68. CAB Qualified Executive Building Executive Sector 1 Earn Coded CAB Bonuses to Unlimited Depth SECTOR 1 Direct CAB $150 Sector Bonus $50 CQS Leg #4 CQS CQS CQ CQ CQ Leg #1 Leg #2 Leg #3 Leg #5 Leg #6 YOU Direct CAB $150 Direct CAB $150 Sector Bonus $50 Sector Bonus $50 Sector Bonus $50 Sector Bonus $50 Sector Bonus $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 150 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50 $50
  45. 69. CAB Qualified Director Building Director Sector 2 Earn Coded CAB Bonuses to Unlimited Depth SECTOR 2 YOU #2 #3 #1 #5 #6 #4 $50 175 $75 $75 175 $75 $75 175 $75 $75 175 $75 $75 Leg #7 Leg #8 Leg #9 Leg #10 $50 $50 $50 $50 $50
  46. 70. As You Continue to Build Earn $$$ on all new and existing Sectors Earn Coded CAB Bonuses to Unlimited Depth YOU 175 200 225 250 275 75 75 100 100 125 125 150 150 175 175 #2 #3 #1 #5 #6 #4 $50 $50 $50 $50 $50 $50
  47. 71. How to build a Ucan2 Organization: Become CAB Qualified immediately (Sign up a credit repair client) Enroll a new IBO under you and help qualify that IBO; you are now a Supervisor Three Supervisors under you in 3 separate legs; you are now an Executive Help everyone in your organization duplicate the above three steps. Go wide and deep (unlimited).   Your organizational “ Blue-print ” (start from the bottom) :   8. Platinum = 1 Gold and 3 Silvers in 4 separate legs 7. Gold = 1 Silver and 3 Bronze in 4 separate legs 6. Silver = 1 Bronze and 3 Directors in 4 separate legs 5. Bronze = 1 Director and 3 Executives in 4 separate legs 4. Director = 1 Executive and 3 Supervisors in 4 separate legs 3. Executive = 3 Supervisors in 3 separate legs 2. Supervisor = 1 CAB Qualified Rep under you 1. Become CAB Qualified! Structure
  48. 72. Be a Part of the Solution! Join Ucan2fs and offer financial solution services Nationwide! <ul><li>Become an IBO </li></ul><ul><li>( Independent Business Owner ) </li></ul><ul><li>$ 199. </li></ul><ul><li>We provide you with full Support </li></ul>
  49. 73. Cost of Becoming an IBO, Plus Qualifying IBO Only $199.00 IBO plus Credit Repair (Promo) $699 only. Complete the Credit Repair and IBO applications and submit both to Ucan2fs. We will deduct the $199 IBO fee from the $220 commission and you become a CAB Qualified Representative of Ucan2fs.
  50. 74. SUPPORT SYSTEM <ul><li>Your Free Personal Website </li></ul><ul><li>Enroll Clients & IBOs Online 24/7 </li></ul><ul><li>No Paperwork, No Accounting </li></ul><ul><li>No Inventory, No Employees </li></ul><ul><li>Free Online Back Office </li></ul><ul><li>24/7 Training, Marketing Materials </li></ul><ul><li>Event Calendar, Genealogy Manager </li></ul><ul><li>National Conference Calls </li></ul><ul><li>Refer People – Make Money! </li></ul><ul><li>It’s that easy. </li></ul>
  51. 75. Become an Independent Business Owner (IBO) of Ucan2fs and offer our services and business opportunity to help people with their financial challenges, and build a lucrative business opportunity for yourself. Join us NOW ! Summary
  52. 76. THANK YOU Your Future is NOW!