CREDIT
EDUCATION
COUNSELING
MANAGEMENT
PRODUCTS
SERVICES
TRADELINES
TEAMWORK
1st
Credit Education Counseling and Management Services |
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. |
Our Credit Report Product========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.
|
| We offer Education | Products & Service | Tradeline Add positive Credit | Score Power |
Certified Instructors and Counsleors Webinar, books, and cd' | Credit Report all 3 Credit Score all 3 CreditXpert | Add credit tradeline for $10.00 a month | Try Our CreditXpert Detective CreditXpert Essentials CreditXper Simlulator |
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.
Products
Mortgage and Credit Solutions
Tri-Merge Credit Report with 800# dispute services
Rapid Rescore
CreditXpert Essentials
CreditXpert What-if-Simulator
CreditXpert Detective
Employment Verfication
Income Tax Verification
Webinars
Newsletters
Audio Subcriptions
CREDIT SMART CREDIT SHARP
Take Your CREDIT To the next level !
CREDIT PRODUCTS, SERVICES AND SOLUTIONS H i g h l i g h t s |
| |
| 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 webinars, products and services. |
 | Financial Literacy classes, over 500 online community classes, 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!!!
|
| Join us for special discount and FREE webinars and listen to our TEAM some of the best instructors in the credit and housing industry. |
Copyright © 2008 Credit SMART Credit SHARP
Credit Xpert Services are sold separately.
Members Benefits