Our goals is to help individuals improve, establish and gain control over their credit and finances by educating the consumer on how crucial credit plays a role in their finance.
With the proper education, training and resources consumers can move toward achieving a higher credit scores, and a better interest rate.
Our counselors help consumers understand their credit profile and recommend strategies for improving their overall credit report.
Our Credit EDUCATION Program Offers an Instant Merge Soft Touch, and a 3-bureau soft inquiry report that do not leave a negative impact on the consumer credit files.
Our Credit Program Helps Customers.....
Take control of their credit profile
Interpret their credit report
Understand credit scores
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
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.
Service Highlights Click Below
Copyright © 2008 Credit SMART Credit SHARP
THE CREDIT COMMANDER
Empowering Customers to take control of their Credit Profile
Customer Dispute Resolution
We offer one-on-one customer disputes service. If you find a discrepancy on your report that need updating, you need to make an appointment with one of our credit specialist/partners. Our certified credit specialist will work hand-in-hand with you to resolve any discrepancies with the national credit bureaus. We work with our customers to better understand their credit profile and summary. One call thats's all. 800# provided.
Dispute Services
Credit dispute procedures can often be complicated and time consuming. Join our credit dispute class to understand the dispute options.
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