Welcome to the Family! Credit Counseling Information Pack

Transcription

1 Welcome to the Family! Credit Counseling Information Pack

2 A message from Jason White Thank you for allowing me to service your credit needs. You've just made one of the greatest decisions up to date! What I'm going to do for you during this process you're going to think why you haven't worked with me sooner because I'm going to get you the results you've always wanted from your finances. It's going to be so mind blowing you're going to want to share it with your friends, family, and maybe the world! This packet is to provide you with the information you need to feel as comfortable about this process as possible. Please read it over to educate yourself about the process and maybe answer any questions you still have. First things first... What you need to know Credit is nothing but a representation of your financial behaviors and how you manage your debt. As we are working on repairing your credit I urge you to take advantage of my financial coaching program as well. What s the point of improving your credit just ruin your good name all over again? At no additional cost to you, I will also help you create manageable finances that lead to a more comfortable & prosperous life. Why? I want you to have long term success, not just short term gains. If you would like to take advantage of this free addition to your service get on my schedule here: What is a credit report and what s on it Your credit report contains your credit history as reported to the credit reporting agency by lenders who have extended credit to you. Credit can be credit cards, loans, and other lines of credit. The information in your credit report is used to generate credit scores such as your FICO Scores. The higher the score the more likely you re approved for credit at a good rate, the lower your score the less likely you re approved for credit, and if approved it will be at a unfavorable rate. My focus is to help you remove negative accounts, add and maintain positive accounts so your score can dramatically improve.

3 What you should expect For best results I recommend that you give this service at least 6 months. If you do so you can expect to see point score increases, minimum. Ideally for best results, I recommend that you plan on using my credit counseling service for 1 year. This will allow us to make great strides on your credit and behaviors. Remember, my focus is not only to help you improve your credit score but to also help you change your financial behaviors so you re never in this predicament ever again. If you are patient and allow me to be great, you will get massive results! How my system works My credit counseling system works to expedite your transition to better credit. Every action you and I make from this point on every action will be geared toward improving your chances of bettering your credit and removing hindrances that affect your good name. Based off of your credit improvement strategy, I will be contacting credit bureaus, creditors, and debt collection companies on your behalf. Though communication will be done through me, all of their responses will be sent to you. I beg, as you receive their correspondence letters that you forward me that information so I can update my records and respond accordingly. I repeat, all information you receive from credit bureaus, creditors, or debt collectors forward to me. When to expect get updates from me Score updates and to do s" will be sent to you via every 45 days. This allows time for delivery of disputes and response time from the bureaus (30 days). **Remember, forward all correspondence letters to me** How we will communicate All communication should be done through text or - if a phone conference is needed then it must be scheduled first Text: jason@witnessriches.com

4 **Watch out for this stall tactic** What you need to know is when disputes are being made it actually cost the credit bureaus money to investigate each dispute/challenge. Since they don t get paid to investigate disputes, sometimes they will use tactic letters to stall the process, like the letter below. From my experience there is only one particular company that will attempt this stall tactic and it s Experian. In the industry Experian is known to send out letters denying consumers request for disputes because of speculation of suspicious information received. But as you can see above, they'll send these letters out to anyone, even me!! This is a tactic they use to prevent the process and discourage consumers to dispute information on their credit reports, so they can save money. But you have me, so never be discouraged. I got you! Know this! It is your right to dispute and make sure accurate information is being displayed. So at any point you receive any information from either of the big 3 credit bureaus denying our request to dispute information, please let me know ASAP and I ll take care of it right away.

5 Don ts Don t apply for anything that has to do with credit unless I advise you to Don t negotiate or acknowledge any debt to be yours over the phone, watch this video: Do s If it s reporting to the credit bureaus, pay it on time! Send me all correspondence letters from debt collectors and credit bureaus Apply for a secured credit card today: Capital One Secured Credit Card Link Find and follow JasonWhiteCFO Jason White - Witness Riches

6 The biggest compliment is a referral! Please feel free to give my number out to your friends and family: And if they become a client, I ll pay you $25 per client. Challenge me on this and I ll prove it! If you have any questions, concerns, or suggestions, don t hesitate to send me an to jason@witnessriches.com. Thank you for your business