Your Road To Excellent CreditStarts Here

Consultation Agenda

Obtain Your Credit Report

Step 1

Analyze your Credit• Check balances and limits of existing accounts• Check for duplicate accounts (common errors) • Check for re-aged accounts (illegal)

Step 2

Credit Improvement Action Plan

Step 3

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Consultation Agenda

The 5 Factors of Credit Scoring

Step 4

Past and Present Client Results

Step 5

Start Your Credit Improvement Process

Step 6

Your road to excellent credit starts here

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Example: Good versus Mediocre CreditHere is an example of exactly how much a credit score can matter. Let’s examine how these numbers affect two friends, Jim and Carol:

Credit Cards Jim Carol

Credit Score 750 650

Interest Rate 9.90% 18.4%

Annual Interest $792 $1,592

Lifetime Interest $39,600 79,600

Carol’s Penalty $40,000

Auto Loans Jim Carol

Interest Rate 5.00% 8.0%

Monthly Payments $377 $406

Interest per loan $2,646 $4,332

Lifetime interest paid $21,166 $34,653

Carol’s Penalty $13,487

Mortgage 1 ($200,000) Jim Carol

Interest Rate 5.50% 7.375%

Monthly Payments $1,130 $1,372

Total Interest Paid(30 Years)

$208,808 $297,040

Carol’s Penalty $88,232

Carol’s total penalty for poor credit? More than $ 141,719!Because more of Carol’s paycheck went to lenders, she had less for other goals.

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Credit Monitoring

Doesn’t add inquiries

Access your credit report 24/7

Speeds up the process (No waiting for mail correspondence)

Credit Check Total

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Credit Analysis

Re-aged accounts

Reason Codes

Accounts posted multiple times

Look for:

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Credit Plan

LCS will dispute all inaccurate, misleading or unverifiable items on your credit report

Dispute Derogatories

Pay down all existing credit cards to a minimum of 30% of the credit limit

Pay Down Balances

To boost your credit scores, we recommend adding a positive tradeline(s). We can handle this for you

Adding Positive Tradelines

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5 Factors of Credit ScoringPayment History – 35% Impact

Debt-to-Credit Ratio – 30% Impact

Length of Credit History – 15% Impact

Mix of Credit – 10% Impact

Inquiries – 10% Impact

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Show Results

Our average client receives an 80-150 point credit scoreincrease within the first 2 months.

LCS focuses on all 5 factors that makes up your credit score (100%).Most companies only focus on disputing negative accounts (35%).

Our results are quicker and better than 95% of all credit repair companies in the US.

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Credit and loan application may be denied.

You can be denied for employment. 80% of employers now do credit checks.

You pay higher insurance premiums.

Continued stress and aggravation.

If your credit stays the same:

Start Today, Sleep Better Tonight

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