Financial Services & Credit Building

Specialists

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Protecting Financial Futures Since 1995

To impact and improve our customer’s credit scores enabling them to achieve their financial goals. We teach our clients how to become debt free.

Impact our Associates and Referring Partners lives’ helping them to increase their business opportunities and their income.

To impact people’s lives all over the country by helping the less fortunate through A Servants Heart Charity Gift Program (The Golden Rule).

Impacting the communities we serve by helping our Referring Partners utilize our services, assist more customers, and sell more products (houses, cars, business loans, etc.). Therefore, helping the American economy get back on its feet!

CORE VALUES

CASARA CREDIT GROUP

CUSTOMERS

ASSOCIATES & REFERRING

PARTNERS

COMMUNITY

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How This Effects EVERYONE… Buying or Renting a home Buying a car Insurance costs Jobs

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How Do We Help Stimulate the Economy?

Good Credit leads to the creation of jobs: Real Estate Mortgage Construction Insurance Auto Etc.

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Rusty Alphin President

Rusty Alphin, President and Founder of Casara Credit Group, Inc., has 20+ years experience in the credit field with thousands of clients from all over the United States. His experience and expertise has evolved into Casara Credit Group. After years of research into the credit industry, Rusty has discovered several valuable “nuggets” of information. By utilizing this information combined with your rights under Federal Credit laws, the Casara Credit Group has removed items from credit reports such as: • Bankruptcy • Collections • Medical • Credit Cards • Judgments • Late payments • School Loans • Repossessions • Foreclosure or Short Sale

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The Casara Difference

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We Make It Personal By…

Providing Personal Credit Coaching Removing negative credit Teaching you how credit actually works Explaining how to get Double Credit Reporting Teaching ways to decrease the amount of interest you pay Our Casara University teaches you how to pay your mortgage

off years early without additional payments

Our Personal Credit Coaches do more than fix your credit score. They hold your hand and teach you money-saving techniques throughout the credit rebuilding process. We help clients save thousands of dollars per year on mortgages, auto loans, credit cards, insurance, etc. We have removed items such as bankruptcy, charge-offs, late payments, collections, school loans, foreclosure, short sales, etc. We show you how to build positive credit without incurring any new debt. For 20 years we have worked with Real Estate professionals across the nation to give thousands of their once unqualified clients the experience of home ownership. Our data software program keeps you in-touch with the progress of reports and automatically shows what has been removed and what is being targeted next. We show you how buying groceries can actually help increase your credit score.

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What We Do For YOU…

Grow Your Credit Score!!

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Using just two of our strategies, we can teach our clients how to pay off their

mortgages years early. (hint) One strategy doesn’t even require paying anything extra

on the mortgage itself but can reduce the time it takes to pay your mortgage off by...

5-10 YEARS!!

We explain Budgeting and its

Importance.

We show you how to become “Savers”

not just consumers.

We teach how to eliminate interest or reduce interest on

credit cards.

PAYMENT HISTORY 35% Includes timely payments, late pays, collection accounts, charge-offs, bankruptcies, etc.

AMOUNTS OWED 30% Mortgages carry a greater weight than revolving amounts owed on your accounts. Debt utilization and debt-to-income gives your potential lenders and idea if you have the ability to manage your accounts. LENGTH OF CREDIT HISTORY 15% Certain weight is given since the time you opened an account. (The longer you have an account the greater effect it will have on the score.)

TYPES OF CREDIT 10% The more diverse types of credit accounts you have the better effect on your score. An optimal credit report will include revolving accounts, installment accounts, mortgage and other consumer accounts.

NEW CREDIT 10% Typically after six months, the longer you have the account in good standing, the more positive effect it will have on your credit score.

PaymentHistory 35%

AmountsOwed 30%

Length ofCredit History15%Types ofCredit 10%

New Credit10%

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CREDIT PIE

35%

10% 10%

15%

30%

The Six Things I’m Going to Show You Today…

The lender who will assist you in your loan once you’ve

completed the program.

How to take everyday purchases/bills and get them

to show up on your credit report by using our Personal

Credit Coaching Program.

How positive credit impacts your credit score.

Examples of client testimonials.

An example of how one of our clients saved over $8,000 a year on his mortgage using

our credit program.

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How negative credit impacts your credit

score.

Meet Part of Our National Mortgage Lender Network Team

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Ginenne Rife Annie Mac Mortgage

Joey Barrow Annie Mac Mortgage

Lenny Jaen Annie Mac Mortgage

Kevin Stormer Annie Mac Mortgage

National Network Mortgage Team Continued

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Chad Ludwig Coastline Mortgage

Marty Dejoesph National Home

Mortgage

Leon Ezzell Integrity Mortgage

Natalya Hill Homeside

Financial LLC

Fresh Start Program: Plan Benefits

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CREDIT MONITORING Keeps track of your credit AND Alerts you to suspicious activity.

ACCESS TO AN ATTORNEY 24/7 • Legal advice-unlimited issues • Letters/Calls made on your behalf • Free preparation of your will and living

will • Document review and online legal forms • 25% off closing costs and other legal

services.

CREDIT RESTORATION If you become a victim of identity theft, our team will restore your credit.

CREDIT BUILDING Build positive credit which accounts for 35% of your credit score.

CREDIT REMEDIATION!!! We help to eliminate and remove negative items off your report to help increase your credit score.

(Underwritten by Legal Shield)

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Actions that prevent your score from getting higher:

Debt utilization too high on revolving accounts. Delinquency on accounts. Too few revolving accounts . Too many revolving accounts. Too many finance company accounts. Time of last delinquency is too recent. Too few accounts paid as agreed.

Too many recent inquiries in last 12 months.

Action 550 Score 660 Score 750 Score

Maxed out Credit Card

25-30 pts 30-35 pts 35-45 pts

30 Day Late 30-35 pts 35-45 pts 90-110 pts

60 Day Late 45-50 pts 50-60 pts 110-120 pts

Settlement 45-50 pts 55-65 pts 105-125 pts

Foreclosure 80-95 pts 85-105 pts 140-160 pts

Bankruptcy 100-120 pts 130-150 pts 220-240 pts

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My testimonial, My lender referred me to Rusty and Casara Group because my credit score was too low to qualify for a mortgage. I had lost my home in a foreclosure during the real estate crash and thought I would never be able to own a home of my own again. I had stopped looking at my credit and just assumed nothing could ever fix it. Rusty assured me that I could recover and become a homeowner again, and just that promise gave me hope, and hope is a powerful thing. I am thrilled to say that I just qualified for a mortgage and will close on my new home in New Bern in May of this year. I know for a fact that Rusty's promise is not an empty one! He helped me, and he can help you too. - Jennifer Williams

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molar& reels Tc: casaragroupinc@yahoo.c.om Rusty, I cannot even begin to tell you how much I enjoyed your thorough presentation last night. I have a great credit score and I thought I was on the right track.....1 thought I knew how credit worked. Boy was I ever so wrong. Let me tell you I WAS BLOWN AWAY with the things you said, and it turns out, that I know nothing about credit and how it works. I've attended a lot of these workshops, but I was not prepared for what I heard that evening. As a matter of fact, I'm still in awe that rve learned what seems like the best kept secret" about credit I feel like this is classified information someone left and I just so happened to stumble across it. I'm very thankful that you did not keep this to yourself. You started with a budget.....And I said "Ok, I know how to prepare a budget, get to the good part" But what you did afterwards was nothing I've ever seen. Analyzing the bills, and how much of what paid on a monthly basis that were actually being reported to credit bureaus, is pure genius. This allowed me to really hone focus on what bills are being reported on. The real kicker to istbase is how I can get EVERYTHING reported, from buying groceries to getting my nails done. When it came to the actual credit report and payments, I again, felt like I knew a lot I answered your questions with confidence, but after the 3rd or equestion, I was at disarray because everything rve learned about credit was wrong. I never knew there was a 25 % utilization rule; I never knew how many points a score could drop, simply by making a late payment or settling debt [Really that much?]. Most of all, I never ever know how dates play a major role in credit I always pay my bills on time, even early, but after you explained the correct way of making payments, my mouth dropped. All this time I've been doing it wrong. When you put it all together, it seems like people should know this. It's quite simple, but who would have ever thought. Not I...1 got up this morning ready to take the steps needed to get where I need to be. know you get this a lot, because I can see the passion you have to help people restore & increase 3edit and utilize what they have without getting deeper in debt. You were absolutely amazing_ stank You again for being so generous in sharing the Best Kept Secret of Credit

look forward to applying these tips and tools_ lelanie Reels

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$1,000 Credit Limit $600 Charges $400 Available Balance

$1,000 Credit Limit $250 Charges $750 Available Balance

1

2

3 $5000 Credit Limit $100 Charges $4,900 Available Balance

What kind of effect will it have on your credit score by always making your payments on time?

Credit Knowledge

$7,000 $950 =14%

4 This is under the assumption that you have made all of your

payments on time.

$2,500 $950 =38%

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