FICO SCORING & CREDIT REPORTING
FICO Scoring & Credit Reporting
Credit reports and credit scoring are one of the most misunderstood items in an individual’s financial lives, be it personal or entrepreneurial.
Credit scoring and credit reports can be an incredibly complex topic, as there is a lot of confusion between what is the truth and what is misleading. Bad information has been perpetrated by many in the credit fields.
Simply put, Credit scoring is a way for creditors, such as banks, lending institutions, credit card companies, and any other company willing to give money to an individual for the purpose of profit, to minimize their risk. To put it simply, they want to get their money back plus some.
Unless otherwise noted, the scoring method I am speaking of is the FICO scoring method. FICO stands for Fair Isaac Corporation.
FICO is estimated to be used by major lenders and creditors in 95% of all credit decisions: whether a creditor will give you credit or not, and under what conditions, if they do.
I will host a presentation on FICO SCORING AND CREDIT REPORTING
Just sign up Here, or click on one of the hyperlinks above.
DEBT COLLECTORS
DEBT COLLECTION - NEW REGULATION F INCLUDED
WEDNESDAY, November ,16, 2022 @ 11AM CDT, 9AM PDT
Regulation F was instituted and adopted into law in 2021 that changed debt collection and the processes. It changed how a debt collector can contact you, the form letter they should use, how often they can contact you.
Now they can contact you more than once per day. Now they can text you.
Find out all the changes in this never before seen presentation.
I do not like debt collectors. It’s not the job they perform, but it is how they perform it. Some debt collection agencies even instruct their minions how to cheat – how to lie. I have read some of the company’s training manuals and one of them even said “95% of the people you come in contact with have no clue what their rights are. Take advantage of it.”
What this presentation is designed to do is show you what your rights are, what the laws say, how you are to be treated, and how the process of debt collection should happen. We will talk about the statute of limitations, what happens when you pay off the debt, some of the nuances and how to defend yourself.
This is all about being able to stand tall again. This is all about being able to answer your phone without fear. It’s also what you should not say.
On July 26, 2022 at 8pm CT I will host a presentation on DEBT COLLECTORS - DEBT COLLECTORS - How to Protect Yourself and the New Regulation F
STAND UP
You are only one decision away from a totally different life.
STAND UP - YOU ARE ONLY ONE DECISION AWAY
Are you tired of your financial life? Are you tired of what your credit report says about you? Are you tired of debt collectors calling you? Find out how you can STAND UP and take control of your financial life. You are only one decision away from a totally different life. Find out how your journey can start down the path to financial freedom.
We spend 500% more dollars on getting people to use credit than on how credit And credit scoring works!
The life you want is on the other side of your mess, your mess that you need to change. You are only one decision away from a totally different life. We have put ourselves in the position we are in because of our finances. Oh, we have had help. We have been convinced to buy things we want with money we do not have. We have been blindsided by advertisers as to how to live our life. We buy things we don’t need because of our “I gotta have it” attitude.
The choices we make are based on lies, damn lies, and deceit that have been brainwashing us throughout our lives. We envision ourselves drinking a particular beverage, aligning ourselves with certain products and we buy a product with their emblem on it, giving them free advertising while paying more for their product. All of this gets a lot of us into trouble.
Find out how all we need to do is STAND UP. This is all about motivation. I am trying to show you the truth as we have been encumbered with falsehoods and lies. It should scare you. What facilitates all the falsehoods? It’s our credit system. And we are being judged by it.
I will host a presentation on STAND UP - YOU ARE ONLY ONE DECISION AWAY
Just sign up or click on one of the hyperlinks above.
Learn More
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THE COST OF BAD CREDIT
@ 8pm CT links not active yet
Credit reports and credit scoring are one of the most misunderstood items in an individual’s financial lives, be it personal or entrepreneurial. As a realtor, having a general knowledge of credit, credit reports, and the FICO scoring system is a value-added benefit that I know your clients would appreciate.
In this course, we will not be going over debt collection, although that topic is vital for everyone to understand.
Credit scoring and credit reports can be an incredibly complex topic, as there is a lot of confusion between what is the truth and what is misleading. Bad information has been perpetrated by many in the credit fields.
Simply put, Credit scoring is a way for creditors, such as banks, lending institutions, credit card companies, and any other company willing to give money to an individual for the purpose of profit, to minimize their risk. To put it simply, they want to get their money back plus some.
Unless otherwise noted, the scoring method I am speaking of is the FICO scoring method. FICO stands for fair Isaac Corporation.
FICO is estimated to be used by major lenders and creditors in 95% of all credit decisions: whether a creditor will give you credit or not ^ and under what conditions, if they do.
We will go over the fair credit reporting act, (Which mandates your rights under the law regarding credit and credit reports), credit scores, the building blocks of your credit score, the five pillars of your FICO's credit score, credit reports and where you can get them, problems with credit scoring system, and ways to maximize your score.
at 8pm CT I will host a presentation on FICO SCORING AND CREDIT REPORTING
Just sign up Here, or click on one of the hyperlinks above.
