Presentation For Realtors

Presented by: www. I Clean U gly Credit.com Credit Tips

Three Major Credit Bureaus Not all Creditors report to all three Credit Bureaus Creditor PAYS to report Customer Information Experian TransUnion Equifax

What is FICO? ,[object Object],[object Object],[object Object],[object Object],[object Object],www.ICleanUglyCredit.Com

Our FICO Scores Affect: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

A 2005 Congressional Study ,[object Object],[object Object],[object Object]

Cost of Bad Credit $20,000 Car Loan Paid over 5 years Score Interest Payment 720 or higher 4.9 % $377.00 579 or lower 29.0 % $635.00 $258.00 more each month www.ICleanUglyCredit.Com

Cost of Bad Credit 30 Year Mortgage Score Interest Payment 720 or higher 6.081% $1081 P&I 599 or lower 10.582% $553 MORE each month

[object Object],[object Object],Let’s look at some Statistics…

Credit Scores Below the National Average of 680* ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Statistics from 2008 Money-Zine.com

Credit Scores at or Above the National Average ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

What affects your credit score? ,[object Object],[object Object],[object Object],[object Object],[object Object]

Balances Carried – 30% ,[object Object],[object Object],[object Object]

Payment History- 35% ,[object Object],[object Object],[object Object]

Credit History – 15% ,[object Object],[object Object],[object Object]

Mix of Accounts – 10% ,[object Object],[object Object],[object Object],[object Object],[object Object]

Inquires -10% ,[object Object],[object Object],[object Object]

Inquiries that do not hurt the score: ,[object Object],[object Object],[object Object],[object Object],[object Object]

Credit Myths and Facts ,[object Object],[object Object],[object Object],[object Object]

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Things YOU can do…. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Be a “Hero” give a referral…. **Note: Ask CPA or tax preparer about write-off

More $$$ in Your Pocket !! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

How much is the credit program? ,[object Object],[object Object],[object Object],[object Object]

[object Object],[object Object],[object Object],THANK YOU……. Nancy Debbie www.ICleanUglyCredit.Com

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Presentation For Realtors

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