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- 1. TURNED DOWN FOR FINANCING? PAYING HIGH INTEREST RATES? LOW CREDIT SCORE HOLDING YOU BACK?
- 2. © 2009 National Credit Federation All Rights Reserved Our Attorneys will put the law back on your side! Get a lower mortgage rate! Get approved for the car you’ve always wanted!
- 3. Membership Based Organization Nationwide Membership Based Organization “ Why would you or anyone else for that matter want to be a member of the National Credit Federation?” © 2009 National Credit Federation All Rights Reserved
- 4. Experience and Scope Senior Partners with over 25 years in the credit business Consulted with thousands of people about their credit Dependable depth of knowledge in the industry Members all across the country © 2009 National Credit Federation All Rights Reserved
- 6. Member Benefits Attorney Facilitated Credit Audit and Verification Free Bankruptcy Advice Obtain a Secured Credit Card Attorney Facilitated Credit Improvement Program Bundled together several different benefits: Free Credit Card Search Service IRS Defense Credit Reference Service © 2009 National Credit Federation All Rights Reserved
- 8. Marquis Service We have a number of attorneys on retainer “… you’re going to be working with an attorney, highly experienced in credit bureau law…” © 2009 National Credit Federation All Rights Reserved
- 10. Legal Basis 6 Consumer Protection Laws: Fair Credit Billing Act Fair Debt Collection Practices Act Federal Trade Commission Act Unfair or Deceptive Acts or Practices Uniform Deceptive Trade Practices Act Fair Credit Reporting Act © 2009 National Credit Federation All Rights Reserved
- 11. Step One Get a copy of your credit report If you’d like some assistance we’d be happy to help © 2009 National Credit Federation All Rights Reserved
- 13. Step Three Attorney will prepare an actual legal challenge Going from your… Attorney’s office On your… Attorney’s letterhead Signed by your… Attorney “… thousands of cases successfully…” © 2009 National Credit Federation All Rights Reserved
- 15. Bureaus Send You Updated Credit Reports At the conclusion of this investigation your lawyer will demand and the law requires, that the credit bureaus send you an updated copy of your credit report. © 2009 National Credit Federation All Rights Reserved
- 16. Conclusion of Round One About One Third (1/3) of the negative items deleted from your report on the first challenge! About 40 to 50 days for the first round to conclude Make a copy of original reports for your records Send in updated copies to us to begin the next round Include $5 payment to your attorney per deleted or improved item © 2009 National Credit Federation All Rights Reserved
- 17. Successive Rounds Bypass the credit bureaus and go directly to the Creditors. Put up or Shut up Put up a defense or delete the item permanently These creditors are not set up with a large bank of employees to handle disputes in the way that the credit bureaus are. © 2009 National Credit Federation All Rights Reserved
- 18. Round Three and Beyond Your creditors are quick when it costs them nothing and hurts you considerably They are cautious when it takes: Money Time Energy Effort To defend this information © 2009 National Credit Federation All Rights Reserved
- 19. Paradigm Shift “ We’re talking about changing the way the Credit bureaus would like you to think about credit reporting.” What would they have you believe? The infallible word of Equifax, right? © 2009 National Credit Federation All Rights Reserved
- 20. American Justice? A Credit report is Nothing more Or Nothing less… than a whole series of allegations. Some true Some not so true But the burden of proof… Lies with your Accuser Innocent until? … Proven guilty © 2009 National Credit Federation All Rights Reserved
- 21. What do they do? They besmirch your credit and convict you without a defense or even making you aware. That’s not the way things are supposed to work… Judge AND Jury © 2009 National Credit Federation All Rights Reserved
- 23. What can’t we remove? Please make a note of this… No kind of item - period. No kind of item - period. Collections Slow pays Charge offs Excessive inquiries All Deleted! “… major items deleted everyday as a direct result of our attorneys’ efforts put forth on our members’ behalf.” © 2009 National Credit Federation All Rights Reserved
- 24. Program Expectations Exercise in patience The average member takes about 6 months Rewarded with improved credit score (average increase 127 points in the first six months!) Fueled with updated copies of credit reports sent to you free! © 2009 National Credit Federation All Rights Reserved
- 26. Additional Member Benefits Access to a network of 25,000 attorneys nationwide: Create simple wills Representation for small claims court Unlimited phone consultations on different subjects Free credit card search program: Obtain 2 additional lines of credit Credit reference letter from your Attorney Collective buying power of a national association © 2009 National Credit Federation All Rights Reserved “… rectifying problems or erasing erroneous, outdated, or unverifiable information…”
- 27. Membership Protection Warranty As long as you have complied with the terms of your membership agreement, we believe you should not have to pay for ineffective service: If there are no derogatory items removed from your report in the first 3 months of membership, at your request we will terminate your membership and refund to you all membership fees paid. At the conclusion of your 12 month membership, if there has not been an increase in your credit score we will refund 100% of your membership fee. © 2009 National Credit Federation All Rights Reserved
- 28. Membership Dues Attorneys are involved… How much is this going to cost me? “… committed as a company…” Any average citizen can join © 2009 National Credit Federation All Rights Reserved
- 29. Membership Dues Small monthly investment of just…$97 An Initial Set-up of just…$149 Or, Save over $300 by taking care of your entire membership in one lump sum of just…$995 Either way, you’ll have a lawyer representing you against: Immediately put an attorney to work on your behalf, that has handled thousands of cases before he ever gets yours! © 2009 National Credit Federation All Rights Reserved
- 30. Results © 2009 National Credit Federation All Rights Reserved
- 31. Join Today! “ Your decisions today start the wheels in motion for what happens tomorrow!” Thank you! © 2009 National Credit Federation All Rights Reserved The trademarks, service marks, and logos (the "Trademarks") used in this presentation are registered and unregistered Trademarks. Trademarks belonging to TransUnion, Experian Information Solutions, Inc, and Equifax Inc. and their affiliated companies or other product and company names mentioned herein may be the trademarks of their respective owners. Any unauthorized use of the Trademarks is strictly prohibited. You may not display or use the Trademarks for any purpose without the written permission of Trademark owner.
Editor's Notes
- I want to thank you for your interest in our services. My name is Clyde Rowland Senior Credit Consultant of National Credit Federation and during this short 10 minute overview our hope is to give you a better understanding of what National Credit Federation is all about.
- The first thing I should tell you is that National Credit Federation is a nationwide membership based organization. So, should you decide to do business with us you’re really going to become a member of our association. Probably the biggest question that needs answered is “Why would you, or anyone else for that matter, want to become a member of the National Credit Federation?”
- And probably the number one answer is that our organization is very seasoned. You see several of our Directors and senior management have 25 plus years working in the credit business, and having consulted with thousands and thousands of people we are able to bring a depth of experience that you can depend on. We currently have members in all 50 states so we’re national in scope.
- Our mission is to assist people that are working through a financial difficulty. Frequently as a result of a divorce, a health problem, a loss of a job or business set back, these difficulties can take a negative impact on your credit and credit scores. Our average member see’s an increase in their credit scores of 127 points so if you’re familiar with credit scoring you know that’s a tremendous difference and potentially can change your overall financial well being.
- As an organization we find most people come to us for our aggressive attorney assisted credit restoration programs but one of the things you’ll truly enjoy is that we’ve actually bundled together several different services, perks, privileges, and benefits all designed to help our members work through what might be one of their more challenging financial problems.
- You know, everyone knows that banks look at credit scores. Did you know that landlords, employers, insurance companies are all permitted to check your credit and use that information to deny you or charge you extra monies for their services. I’m asked all the time if it’s really true that insurance companies can charge you more premiums because of your credit scores? I know it sounds crazy but they do all the time!
- Our marquis service, the thing we are best known for is that we have a number of attorneys on retainer as well as in house counsel. And these lawyers will immediately begin to represent you against Transunion, Experian, and Equifax. When you come to work with us you’ll be working with an attorney highly experienced in credit bureau law. In fact, we’re not going to give you a lawyer who hasn’t handled thousands of cases successfully for us before they ever get yours.
- Additionally these attorneys are masters at being able to challenge the credit bureaus, back them into a legal corner and force the permanent removal of the kinds of items on a credit report that would cause you to be rejected or turned down when you are applying for credit.
- The legal basis for our lawyers’ success is the rights available to you through a series of 6 consumer protection laws. Most notably the Fair Credit Reporting Act, which you can learn all about in the “Credit University” section of our website. Wouldn’t it be great to have such an experienced attorney working on your behalf rather than you messing with this?
- Now, the first thing we’ll need is a copy of your credit report. If you were referred by a mortgage broker or other credit grantor we can use that copy. If you need a copy we can help you right through our website or if you’d like some assistance here we’d be happy to help.
- Now, as soon as we get a copy of your report a paralegal will be assigned to your case. Your paralegal will literally grade your entire credit report highlighting and noting anything and everything on the report that in any way could be suppressing your credit score. Of course, the things that jump off the page will be the first things noted but then they will also note any demographic information, inquires, and other areas that could be suppressing your scores.
- Then your attorney is going to prepare an actual legal challenge. And one of the things that separate us from other organizations out there that may consider themselves our competitor is that any and all communication that is sent to the credit bureaus on your behalf is going from your attorney’s office. On your attorney’s letterhead, signed by your attorney, who as I mentioned earlier has handled thousands of cases successfully before they ever got yours.
- When the credit bureaus receive your disputed information there are a variety of things, by law, that they are required to do. They are required to conduct due diligence. They are to verify the facts, to make sure that BEFORE they besmirched your credit, that reasonable measures were made and to make darn sure that the information that they put onto your credit report is accurate BEFORE they impacted your credit score. We know when the hot lamps are on, when they are in depositions, you know where they swear to tell the truth, the whole truth, and nothing but the truth that they do nothing of the kind. This loads incidentally, your attorney’s legal shot gun. In addition, your attorney is going to force the credit bureaus to contact each one of the creditors who are suppressing your credit score to what the law refers to as validate or often times suggest that they substantiate the information that’s on the credit report and the credit bureau’s are required to get that information back from the creditors to conclude the investigation within 30 days.
- With that said at the conclusion of this investigation your attorney will demand and the law requires that the credit bureaus send you an updated copy of your credit report. This update will have a cover letter to provide you an itemized listing of the individual items that have been challenged and a status report as to where those items stand in the overall process of being deleted or permanently erased from your credit report.
- OK, let me set some expectations. What we generally see is about a third of the adverse or negative items challenged being deleted on the very first challenge. So, somewhere around that 40-50 day mark you will see a substantial improvement in your overall credit condition. Now of course if a third or so of the items have been deleted then what does that mean? That means that half or more may still be there! But don’t sweat it. This is merely a work in progress and your attorney will get ready to roll his sleeves up for the next round similar to an appeal in any legal case. What you do want to do is when you receive that copy of your credit report is to shoot that into us for continued review.
- If successive rounds of dispute are needed your attorney will bypass the credit bureaus and go directly to the creditors. These creditors are not set up with a loaded bank of employees in the way that the credit bureaus are. Quite frankly, we’re going to take advantage of this because your lawyer is going to force the creditor to put up or shut up. Put up a defense, substantiate the item, or shut up which means delete the item permanently from the credit report.
- Now is it your view that your creditors are so upset with you that they are likely to hire some $500 per hour attorney to try and defend these items on your credit report? Probably not! My experience has been that they’re very quick to put the stuff on when it costs them nothing and it hurts you considerably but they’re a lot more cautious when they have to spend money, time, energy, and effort in an administrative defense to defend this information. Regardless though your attorney will continue to pursue these creditors and the credit bureaus until we achieve the result.
- Now what we are suggesting here is a paradigm shift here. We are talking about changing the way the credit bureaus would like you to think about credit reporting. I mean, what would they have you believe? They credit bureaus would have you believe that the information on your credit report is handed down on stone tablets. The infallible word of Equifax right?
- But of course from a legal perspective and our attorneys tell us that the information on your credit report is nothing more or nothing less than a whole series of allegations that are being made about you. Some of it’s true, right? Some not so true, right? But either way the burden of proof lies with your accuser. Please understand in the American justice system you’re innocent until what? Right! Proven guilty..
- Has that been the position that the credit bureaus have taken with you in the past? No! Of course not! They’ve put themselves in the position of being both your judge and your jury. They besmirch your credit and convict you of these things without any defense or in some cases not even making you aware that this information is on your credit report. That’s NOT the way things are supposed to work.
- In our processing center, which is in Tampa, Fl, of all the credit reports we receive in a typical day from various members that are in various stages of the process we’re going to see items like bankruptcies, federal and state tax liens, judgments, foreclosures and repossessions, court ordered child support, government backed student loans, you know, the heavy stuff being deleted from our members reports.
- And please make a note of this: there is no kind of item period. No kind of item period that you’d see on a credit report that we don’t see coming off our members credit reports every single day. And of course every day we see the kinds of things most people have like collections, slow pays, charge offs even excessive inquires taken off by the boat load
- Let me continue to set some expectations for you. This service is not a snap your fingers quick fix overnight kind of solution but rather an exercise in patience. Your membership is for a full 12 months even though many members complete the process much sooner. Understand that your patience is going to be rewarded with a dramatically improved credit score
- Your member portals will provide a secure area on the website where you can communicate with or upload any documents needed by your case manager. You’ll be able to research all kinds of additional educational materials as well as find out where you stand in the overall credit restoration process at any time!
- Now as a national association, you have the benefit of our collective buying power. You’ll have access to our network of 25,000 attorneys nationwide. An attorney close to you can help with simple wills, small claims court and unlimited phone consultations of different subjects. We have a free credit card search program which grants our members 2 additional lines of credit when needed. You can even have your lawyer write a credit reference letter on your behalf letting people know that he’s rectifying problems or erasing erroneous, outdated, or unverifiable information or wherever he’s hanging your legal defense, information from your credit report and that very soon will be back to proper status and in the interim period any consideration that they would give will be greatly appreciated. As you can it’s a very robust association.
- By joining with us to fight for your credit rights you can sleep better knowing that our Membership Protection Warranty has you covered. It is simply put that you’re defiantly going to get results or you’ll get a refund. Our warranty is one of the boldest and forthright in the industry and we’re pleased to offer this peace of mind to all our members.
- Now in terms of membership, when you hear that an attorney is involved, you might think “Man, this is going to cost like the foreign aid bill to the world!” But we are committed as a company to being affordable so the average citizen can take advantage of our services.
- Our yearly membership allows you to get started, to put an attorney to work on your behalf that’s handled thousands of cases before he ever gets yours for a small monthly investment of just $97. Your initial start up to get things going is just 149 and you’ll have a lawyer representing you who is skilled in the legal art of handling Experian, Transunion and Equifax and immediately begin to put this credit headache permanently behind you.
- Let’s take a quick look at some of the results our members see. These are but a tiny drop in the masses of success that we’ve had but I hope you’re starting to see that results are what we are all about. Feel free to take a look at the tons of result samples we have in the “proven results” section of the website. If it can happen for all these people it can happen for you!
- I want to personally thank you for taking the time to listen to this presentation. If you are ready to get going go ahead to the “Join Here” section on the website, sign up and you’ll have that first round of disputes going out in just a few short days. If you have additional questions feel free call us or get back to the consultant that referred you to this site. A wise mentor of mine taught me that “Your decisions today start the wheels in motion for what happens tomorrow!” Thank you!