Welcome!

Mark BustamonteMark Bustamonte

Nationwide Field Trainer Nationwide Field Trainer Sales Director and Credit ConsultantSales Director and Credit Consultant

954.707.2932954.707.2932

mark@unitedcredited.comwww.unitedcredited.com

Company Background

Established in 2003Established in 2003

BBB RatedBBB Rated - - Better Business BureauBetter Business Bureau

Established Established CUSOCUSO - - Credit Union Services Org.Credit Union Services Org.

Licensed and Bonded in Licensed and Bonded in ALLALL 50 States 50 States (As Required)(As Required)

Headquarters in Farmington Hills, MIHeadquarters in Farmington Hills, MI

Lenders Requirements for a Home

Loan

CharacterCharacterCollateralCollateral

CapacityCapacity

Credit!Credit!

The 4 C's

Why is Credit important to

The Lender?

Lending is all about risk, PERIOD!

Your credit score helps the lender determine if YOU are a GOOD Risk

YOUR Credit is the first consideration

What is a Credit Score?

Credit Scoring is a model to help Credit Scoring is a model to help lenders determine lenders determine YOURYOUR habits. habits.

FICO developed the credit scoring FICO developed the credit scoring modelmodel

Credit Scores range from 300 to 850Credit Scores range from 300 to 850

How is YOUR Credit ScoreCalculated?

Payment history - 35%Payment history - 35%

Amount owed - 30%Amount owed - 30%

Length of Credit history - 15%Length of Credit history - 15%

Types of Credit used - 10%Types of Credit used - 10%

New Credit inquiries - 10%.New Credit inquiries - 10%.

How Does My Credit Effect Me?

Interest Rates on MortgagesInterest Rates on Mortgages

Interest Rates on Auto LoansInterest Rates on Auto Loans

Home Ownership PremiumsHome Ownership Premiums

Auto Insurance PremiumsAuto Insurance Premiums

How Can I Improve My Credit Score?

Pay your bills on timePay your bills on timeReduce your amount owed vs your Reduce your amount owed vs your credit limitcredit limitDon't apply for credit needlesslyDon't apply for credit needlesslyAutomate your bill paymentAutomate your bill paymentProtect your credit fileProtect your credit file

Fair Credit Reporting Act(FCRA)

The Fair Credit Reporting Act (FCRA) is The Fair Credit Reporting Act (FCRA) is the consumer protection law that was the consumer protection law that was enacted in 1970 to protect consumers enacted in 1970 to protect consumers from erroneous, obsolete and from erroneous, obsolete and unverifiable information being reported unverifiable information being reported on there credit reports. on there credit reports.

It is estimated that 70% on all credit It is estimated that 70% on all credit reports have significant errors!reports have significant errors!

Fair Credit Reporting Act(FCRA)

Requires All information MUST be Requires All information MUST be VerifiedVerified

Allows for consumers to dispute Allows for consumers to dispute information information on Credit Reports on Credit Reports

Requires that;Requires that;Erroneous, obsolete and unverifiableErroneous, obsolete and unverifiable

BE DELETED!BE DELETED!

How Can We Help YOU?

Credit Builder Program Credit Builder Program (Unsecured Line of (Unsecured Line of Credit)Credit)

5 Round Dispute Process 5 Round Dispute Process (Per FCRA)(Per FCRA)

Customer Call Center Customer Call Center

30% to 50% Deletion Ratio First 30 Days30% to 50% Deletion Ratio First 30 Days

Customer Access Site Customer Access Site ((www.united-credit.org))

Money-Back Guarantee Money-Back Guarantee

Q&A

Knowledge is POWER!

Results = Success!

Each Client has a unique credit profile and a specific desired Result from our

services.

Our Education and Credit Restoration plan ensures that each client will receive an individualized strategy to meet their

needs.

Thank You !

Mark BustamonteMark Bustamonte

Nationwide Field Trainer Nationwide Field Trainer Sales Director and Credit ConsultantSales Director and Credit Consultant

954.707.2932954.707.2932

mark@unitedcredited.comwww.unitedcredited.com