How to Know If Your Credit Report is a Success

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1 CREDIT SERVICES Unlock Your Financial Future planning, managing & results

2 Success Credit Services We saved thousands of dollars on auto insurance, homeowners insurance, life insurance--whatever you name it--success Credit Services has saved us money on it. Our scores went from the low 500 s to over 700. They can help you just like they helped me. J. Hardebeck Orlando, Fl planning, managing & offers a credit restoration program guaranteed to increase FICO scores and ease the stress that comes with acquiring any kind of loan. Whether you were the victim of identity theft, credit card fraud, or just have a bad credit profile, SCS has helped thousands of Americans by removing derogatory items and inquiries, from their credit reports. From bankruptcies to charge-offs to tax liens, we have challenged virtually every credit problem under the sun and our deletions from your credit reports are permanent. Success Credit Services gets the job done! Over 10 years SCS has developed a flawless formula for credit repair. We can tailor our program to repair any tarnished credit profile, or simply improve a weak FICO score. Success Credit Services has attained a reputation of expertise and a track record for success and results. We stand behind our work with 100% guarantee. We also invite our investors to familiarize themselves with SCS. Customer service & results are our #1 priority! Each case is kept confidential and your information is kept private in our secured premises. We employ innovative solutions and adhere to the laws and regulations that govern the credit reporting industry. With thousands of deleted items per month, our methods are proven and industry leading. We take great pride in our customer satisfaction. Why SCS is different from everyone else Success Credit Services is different from any other company in the fact that we are not a multi-level marketing company and we do not advertise to the public. Our customers are referred to us solely through wordof-mouth from clients who have used our services in the past, although some clients may have had the opportunity to sign-on with us during seminars at which we were guest speakers. Another factor that sets us apart is the priceless relationships we have with every creditor, collection company, public records provider and credit bureaus. We deal directly with these institutions in order to eradicate the problem at the source PERMANENTLY! 2

3 Understanding credit results What is a FICO score? A numeric calculation of your credit report calculated by Fair Isaac Corporation to obtain a fast, objective measure of your credit risk. By understanding the factors that can help or hurt your score, you'll have a better understanding of how lenders view you as a credit risk and how you can improve your score. What is a good score? Your FICO Score Your Interest Rate 5.63% Your (25-Year $1M Loan $74,625 Annual Debt Amortization $5M Loan $373,125 Service (P-I) Schedule) $10M Loan $746,250 Overall, a score of 780 or above is a sign of very good credit, and a very good credit score. People with scores of 780 or higher will, all things considered, have a good chance of obtaining quality loans at the best interest rates. Scores of 650 to 720 indicate good credit, but also may point to potential trouble areas that creditors will want to look at and review. A lender may require additional documentation before a loan will be approved. With scores of below 650, consumers may find that they can still obtain a loan. However, your interest rate will be high, the process will be lengthier and more involved, as creditors consider scores below this threshold to be an indicator of greater credit risk % 6.29% 7.44% 8.53% 9.29% $75,493 $79,457 $88,211 $96,870 $103,097 $377,464 $397,286 $441,056 $484,350 $515,486 $754,928 $794,573 $882,111 $968,700 $1,030,972 Factors that affect your score. Here are five factors that determine your FICO score. The levels of importance shown here are for the general population, and will be different for each individual: 3

4 You have a legal right to an accurate credit report! There are two acts: the (Fair Credit Reporting Act) and the (Fair Debts Collection Practices Act). These two acts were set up to protect your credit rights. What they essentially do for you is hold your creditors and credit bureaus legally responsible. Which means every claim made against your credit must be backed up and proved by your creditor. The three major credit-reporting agencies also called Consumer Reporting Agencies (CRA s), are for profit corporations that collect and sell your private personal information to creditors, landlords, insurers, employers and companies that solicit you for credit and insurance offers. When you apply for a loan of any kind the creditor pulls your credit report from at least one of these bureaus: Experian, Trans Union, or Equifax. There are many other credit bureaus throughout the United States, but they are affiliated with one of the three credit bureaus mentioned. Even if you have good credit, inaccurate information that is not belonging to you could show up at anytime. As a matter of fact, recent research by Consumer Reports showed that more than half of the credit reports studied had errors in them severe enough to keep you from getting a loan or the interest rate you deserve. If you are an investor, having your credit pulled monthly will lower your credit scores as much as 80 points! For every 1 to 3 inquiries your credit rating may be affected up to 12 points. There are plenty of benefits you will have with good credit. Even if you have just one negative item on your credit report, getting it removed could save you thousands of dollars and plenty of headaches. It could be the difference between getting approved for any type of loan or not If you want to get back on track with your financial future and enjoy a hassle-free relationship with lenders, we can assist you in achieving that goal! It is a known fact that a poor credit rating is the number one cause for consumers losing home loans, auto loans, and even jobs. Americans suffer from negative credit. Most of us realize to late the impact bad credit can have on our lives. Reality is that our entire lives revolve around our credit reports. $300,000 in a 30 year fixed loan $20,000 paid over 5 years 5.5% $1, $0.00/month 7% $1, $ more/month 9% $2, $ more/month 12% $ $1, more/month 0% $ $0.00 6% $ $3, more 12% $ $6, more 20% $ $11, more 4

5 Refinance your home with the lowest interest rates. Buy properties without any worry or hassle. Not having excessive inquiries pulling your score down. Being assured that your credit reports are being monitored. (prevention from identity theft) Get great rates on auto loans. (purchase or lease) Obtain low interest credit card. Be in a percentile of only 1% - 2% of all Americans based on their credit scores. Unlock your financial future! You will see results on your credit report and in your credit score within 30 to 40 days. You will continue to see results every three weeks until all negative items are removed from your credit report. Once all negative items are removed including inquiries, we will continue to monitor your credit report for one year. After monitoring your credit report for one year, you are able to renew our services and continue to rest assure your financial future is hassle-free. 5

6 When I first started investing in commercial real estate I was credit challenged! After your presentation I knew that this is what I needed to start making big money. I signed up in August of 2004 and it is now January My middle score was a 516 when I became a client and just 5 months later my middle score now is a 769! You guys have already saved me thousands of dollars on property insurance. And just think this is only the beginning. Haven t felt this good since Thanks a bunch! S. Clark Memphis, Tn Dear Tracy, I cannot thank you enough for helping me restore my credit. As you know, my credit score was in the low 600 s. Now, since working with you my credit score is in the upper 700 s. With a FICO score of 790. It doesn t get much better than that. With your guidance the process was simple. You were always there for me when I had questions. Your company is a 10 and I highly recommend it to anyone who has credit problems or if they just want to improve their credit score. Without your company and what you have done for me, I would be in a much different financial position today. Thank you again, Howard Halen 6

7 Thank you so much! You ve been great. I don t know what I would ve done without you. Richard Kline Los Angeles, Ca DEAR TRACY, THANK YOU AND YOUR COMPANY FOR MAKING MY LIFE A FINANCIAL SUCCESS. BEFORE SUCCESS CREDIT $20,000 IN DEBT, ZERO ASSETS...NOW, 4 HOUSES, ZERO DEBT... LIFE IS GOOD! B. ARCE SAN DIEGO, CA I just wanted to personally thank you and your staff at Success Credit Services for the great job you did in raising our credit scores, which is now at a 780 beacon. Thank you & God bless, Richard Johnson, MD. Fort Lauderdale, FL 7

8 Commitment to our clients Here at we are dedicated to each and every one of our clients and their specific needs. World class customer service is a very high priority to us and we strive to ensure that our clients are receiving only the highest level of service possible. With the surge of credit repair companies out there we know the concerns our clients may have when choosing the right one. Success Credit Services is equipped with experience and expertise to adequately lead you to financial success without violating any laws and business ethics. We take great pride in our customer service satisfaction. Remember: