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Members Benefits
Credit Education Counseling and Management Benefits |
Accurate and Balanced Data
Instant Merge SoftTouch allows you to get an accurate and balanced information of your credit history. Only the most up-to-date tradeline information appears on the report, giving you a more complete picture of your client’s credit history. |
Instant Merge SoftTouch The Instant Merge Credit Report we provide include the 3-bureau soft inquiry report that doesn't leave a negative impact on consumers credit file and it is the most popular merged credit report. This unique merged credit file is ideal solution that combines credit data from one, two or three national credit bureaus into a single, easy to read report. Three major facts about the instant merge credit report. Doesn't leave a negative impact on credit file. Details demographics, current and historical tradeline details, and public records and inquires. FICO® scores, bankruptcy, credit and risk scores, and identity verification products also available.
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membership-tuition is optional but will be added as a tradeline if applied. | We offer Education | Products & Service | Tradeline Add postive Credit | Score Power |
Certified Instructors and Counsleors, Webinar, books, and cd' | Credit Report all 3 Credit Score all 3 CreditXpert Credit Cabinet | Add Tuition/mbrship $10.00 and a $2500.00 Tradeline | Try Our CreditXpert Detective CreditXpert Essentials CreditXper Simlulator |
YOUR mbrship BENEFITS
# 1. Benefit: Tri-merge credit report 3n1
A trimerge credit report is just an industry term for a report containing data from all three major credit bureaus. A trimerge credit report includes all of your credit history from three different sources. TransUnion, Equifax and Experian are all credit bureaus that report monthly on each and every consumer. While the data differs slightly from each bureau, your score paints a clear picture of your buying and paying behavior.
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| Scores Included | 3-n-1 | A Complete Overview |
$49.95 Credit Report and Webinar of Overview
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# 2. Benefit: Webinar/Video and Audio Training
# 3. Benefit: The CreditXpert FREE with subscription
Improving credit score with CreditXpert Products.
| Improve Your CREDIT SCORE NOW!!! |
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CreditXpert Essentials | Find the quickest way to improve a score. |
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CreditXpert What-If Simulator | Simulate changes to the entire credit file. |
CreditXpert Detective | Automatically uncover errors that may be holding down your scores. | |
# 4. Benefit: Budgeting Software and worksheets for financial planning.
# 5. Benefit: Credit Letters - Charts-forms
# 6. Benefit: Digital Credit Brief Case
CONSUMER CREDIT BRIEFCASE - PDF files for more that 50 consumer education materials on credit issues including debt, bankruptcy, credit reports, buying and selling real estate; mortgages, credit cards, consumer loans, identity theft and information security-
Brief Case - systematic decision-making, complaint procedures, consumer protection, identity theft, information security, budgeting, recordkeeping, financial services, credit cards, credit costs benefits, credit history, credit record, credit problems, credit sources and types, credit protection laws and bankruptcy, ,
Brief case - Financial Responsibility and Decision Making, Income and Careers, Planning and Money Management, Credit and Debt
# 7. Benefit: Credit Directory and Resource Guide
Our complete ebook shelf.
# 8. Benefit: Personal credit coach--article-newsletter-webinars
unlimited bureau disputes with Equifax-Experian -Transunion -Innovis
MORE BENEFITS
Credit Education Benefits
Introduction to Credit Education, Counseling and Management
Prequalification Using Credit Reports
Credit Education, credit report and credit scores are very important prequalification tools for consumer financing. We recommend prequalification tools before sending your application to a financial institution or lender.
Credit Reporting - An Overview
The first step to understanding how to acquire credit approval for your mortgage or other lending process is to understand how credit information is gathered, what creditors are looking for and what formula is used.
Understanding Credit Risk Scores
Credit scoring is the primary means that lenders use to assess a client’s
creditworthiness. Financing decisions of all types are often made based on a client’s credit score. Your present and past credit history has a huge impact on your score.
Your credit score will determine your Interest rate which average to the amount that you will pay over a period of the loan.
Credit Tools and Resources
Instant Merge Report, Planner, Charts, Forms, Ebooks, Credit audio, Credit newsletter, Live dispute services, Credit tracker and Online classes.
Reading a Credit Report and some benefits of a Merge Credit Report
You will avoid accessing multiple credit bureaus and online credit report that's hard to read.
Because this is an educational program, it will report as a soft pull on your credit file.
It is a step-by-step guide to reading and interpreting a merged credit report .
The Fair Credit Report
(FCRA) ensures that consumer reporting agencies provide accurate and comprehensive information to businesses that evaluate consumer’s creditworthiness. We, as trained and certified FCRA Counselors, provide a Credit Dispute Class for Verification and Validation of incorrect erroneous data on your credit report.
This webinar includes a FREE 800# for any dispute you may have. It also includes a FCRA book, credit eBook and TEST.
CREDIT PRODUCTS, SERVICES AND SOLUTIONS H i g h l i g h t s |
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| You Get your complete, easy-to-read merged credit reports in seconds. |
 | Live, friendly certified instructors and credit counselors |
| Live, friendly FCRA-certified Customer Care Representative and Consumer Assitance with Dispute Resolution services avaible at no charge |
 | FREE Web-based products and services training |
 | Credit reports, products materials and live customer service available in Spanish and English |
 | INTRODUCING: CSCS Revolving Credit Line · CSCS/dli is a company that offer online classes, workshop - webinars-newsletter subcription-sells ebooks and music that you can down load right onto your computer or view on the world wide web. · CSCS/dli also provides lines of credit to its customers to make it easy and convenient to purchase any time. It's simple, just use your new revolving line of credit to purchase classes the books and music that you want. |
| Payment history is the most important factor. The Second Biggest Factor is the Amount of Debt You Owe and The Percentage of What You Owe to Your Credit Limit Length of Credit History of Accounts. But, the graph also is a guide to another approach that has helped many others improve their credit: You can add new credit lines, with high limits and low balances, in effect reducing your total utilization of credit!! The Graph indicates that the sooner you add an account the faster your credit will see the impact!!!
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 | Kiplinger's Personal Finance Magazine. The most trustworthy source of information available today on savings and investments, taxes, money management FREE 1 Year Subscription Not Include in Pre-launch |
INCLUDED IN MEMBER BENEFIT TUTION PLAN |
Because we are a non profit 501(c)3 organization, we can pass the savings on to you by producing digital downloads, presenting our classes and webinars via internet. We can also bring the best certified and HUD approved instructors to your desktop. |
| Increasing Your CREDIT SCORE in days |
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  | FREE Tri- Merge Credit Report We combine credit data from one, two or all three national credit bureaus into a convenient single report, giving you an accurate and balanced representation of your credit history.  FREE Live Dispute.
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Power | THE DETECTIVE -UNLOCKING YOUR CREDIT REPORT PROBLEMS: FREE CreditXpert Detective™ - Identify opportunities to improve credit ... Automatically identify opportunities to improve credit scores by updating incorrect, missing, and outdated information. CreditXpert Detective instantly. |
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 | Pre-Launch Only $69.95 |
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 | Our Credit Program Helps Customers..... Take control of their credit profile Interpret their credit report Learn how to establish and maintain good credit Monitor their credit file Build a non-traditional credit history Dispute errors on their credit report Protect against identity theft and common scams Recognize and understand the role of credit bureaus Learn the history of credit reporting and scoring Become familiar with credit codes and terminology
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 | Credit Education Credit Management Credit Counseling WEBINARS |
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The Morning Coffee Show FREE Invite - Saturday Morning JOIN US LIVE TO BREW CREDIT 
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FREE Invite - Saturday Morning Live |
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  | Credit Tools and Resources Sample-Instant Merge Report, Planner, Charts and Forms--- Credit Brief Case Credit Letters |
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 | The Fair Credit Report
(FCRA) ensures that consumer reporting agencies provide accurate and comprehensive information to businesses that evaluate consumer’s creditworthiness. We, as trained and certified FCRA Counselors, provide a Credit Dispute Class for Verification and Validation of incorrect erroneous data on your credit report. This webinar includes a FREE 800# for any dispute you may have. It also includes a FCRA book, credit eBook and TEST. Book -Test - Webinar - Video - Audio |
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 | Credit Classes Included |
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 Live Webinars | 
22 FREE Financial Video |
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| Forms and Excel Spread sheets | Budget Tracker Budget Software Over 50 Financial Calculators |
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| | ADD A $2500.00 TRADELINE OPTIONAL 
$10.00 A MONTH FOR 20 MONTHS |
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ONLY ONE CREDITXPERT PRODUCT WILL BE ISSUED IN THE CREDIT PLAN. |
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Online Study Courses
http://creditsmartcreditsharp.org/WebSitePageEditor/default.aspx