The 720 FICO Club

Advantage


The 720 FICO Club

Advantage



Credit Audit

Everyone’s financial situation doesn’t always require credit repair. It is however extremely important to audit your credit reports before applying for credit. When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit. Getting a credit audit will give you a chance to correct any errors or make other moves to improve your credit score before applying.

1

CREDIT SCORES

Next, we analyze all of the accounts reporting on your credit report, to determine which accounts are damaging your credit score the least and the most as well as identify the accounts creditors can or can no longer sue you for based on the laws and statutes.

2

ACCOUNT ANALYSIS

Once you are enrolled, we conduct an in-depth, line by line Credit Analysis of your 3 bureau credit report, including all accounts, balances, utilization, credit mix, debts, and factors impacting your credit scores. We then develop a fully customized plan based on the credit file that puts you on track to reaching your credit and financial goals. We send you a complete breakdown of the Credit Analysis and Action Plan and discuss this in detail during your New Client Credit Discovery Call.

3

DELINQUENT ACCOUNTS & CREDIBILITY

Then, we review your credit reports for accounts reporting as past due as well as assess your overall use of available credit and utilization to put you in the best position to get approved.

4

ACTION PLAN

Finally, we develop a customized plan specific to your credit file on how to apply the information from the audit to The credit audit also comes with a wealth of information and education on how to build or rebuild positive credit, contact information to our premier partners, and the exact tools that we use to increase our client’s scores. This education is designed to help you build a healthy credit file so that you can begin getting the financial respect you deserve. All customers who purchase the credit audit and decide to enroll in one of our programs within 30 days of purchasing the audit are eligible to have their initial enrollment fee waived.

Credit Audit

Everyone’s financial situation doesn’t always require credit repair. It is however extremely important to audit your credit reports before applying for credit.


When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit.


Getting a credit audit will give you a chance to correct any errors or make other moves to improve your credit score before applying.

1

CREDIT SCORES

Next, we analyze all of the accounts reporting on your credit report, to determine which accounts are damaging your credit score the least and the most as well as identify the accounts creditors can or can no longer sue you for based on the laws and statutes.

2

ACCOUNT ANALYSIS

Once you are enrolled, we conduct an in-depth, line by line Credit Analysis of your 3 bureau credit report, including all accounts, balances, utilization, credit mix, debts, and factors impacting your credit scores.


We then develop a fully customized plan based on the credit file that puts you on track to reaching your credit and financial goals. We send you a complete breakdown of the Credit Analysis and Action Plan and discuss this in detail during your New Client Credit Discovery Call.

3

DELINQUENT ACCOUNTS & CREDIBILITY

Then, we review your credit reports for accounts reporting as past due as well as assess your overall use of available credit and utilization to put you in the best position to get approved.

4

ACTION PLAN

Finally, we develop a customized plan specific to your credit file on how to apply the information from the audit to The credit audit also comes with a wealth of information and education on how to build or rebuild positive credit, contact information to our premier partners, and the exact tools that we use to increase our client’s scores.


This education is designed to help you build a healthy credit file so that you can begin getting the financial respect you deserve. All customers who purchase the credit audit and decide to enroll in one of our programs within 30 days of purchasing the audit are eligible to have their initial enrollment fee waived.

Credit Repair

Your credit rating impacts you in more ways than you know and will affect your lifestyle. Our process helps remove inaccurate and unverifiable information from our client’s credit reports, giving them the chance to find their financial freedom.

1

FREE CONSULTATION

We evaluate your credit reports to determine if you are in need of credit repair. We then discuss our EduCredit programs and together determine which option is best for your specific information.

2

ENROLLMENT

Once you are enrolled, we conduct an in-depth, line by line Credit Analysis of your 3 bureau credit report, including all accounts, balances, utilization, credit mix, debts, and factors impacting your credit scores. We then develop a fully customized plan based on the credit file that puts you on track to reaching your credit and financial goals. We send you a complete breakdown of the Credit Analysis and Action Plan and discuss this in detail during your New Client Credit Discovery Call.

3

LET THE RESTORATION BEGIN

Under various consumer protection laws, we demand validation and verification of potentially erroneous information from the credit bureaus, creditors, and collector agencies to begin your credit restoration process.

4

RELAX AND ENJOY YOUR RESULTS

Our experienced experts take care of the work for you. Using a proven system that will get you the results you want in the fastest time possible, we do the work so you can sit back and enjoy the results!

Credit Repair

Your credit rating impacts you in more ways than you know and will affect your lifestyle. Our process helps remove inaccurate and unverifiable information from our client’s credit reports, giving them the chance to find their financial freedom.

1

FREE CONSULTATION

We evaluate your credit reports to determine if you are in need of credit repair. We then discuss our Edu Credit programs and together determine which option is best for your specific information.

2

ENROLLMENT

Once you are enrolled, we conduct an in-depth, line by line Credit Analysis of your 3 bureau credit report, including all accounts, balances, utilization, credit mix, debts, and factors impacting your credit scores. We then develop a fully customized plan based on the credit file that puts you on track to reaching your credit and financial goals. We send you a complete breakdown of the Credit Analysis and Action Plan and discuss this in detail during your New Client Credit Discovery Call.

3

LET THE RESTORATION BEGIN

Under various consumer protection laws, we demand validation and verification of potentially erroneous information from the credit bureaus, creditors, and collector agencies to begin your credit restoration process.

4

RELAX AND ENJOY YOUR RESULTS

Our experienced experts take care of the work for you. Using a proven system that will get you the results you want in the fastest time possible, we do the work so you can sit back and enjoy the results!

Credit Education

Everyone’s financial situation doesn’t always require credit repair. It is however extremely important to audit your credit reports before applying for credit. When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit. Getting a credit audit will give you a chance to correct any errors or make other moves to improve your credit score before applying.

1

WHAT IS A CREDIT SCORE AND HOW IS IT CALCULATED?

A credit score is a number that reflects the information in your credit report. The score summarizes your credit history and helps lenders predict how likely it is that you will repay a loan and make payments when they are due. Lenders may use credit scores in deciding whether to grant you credit, what terms you are offered or the rate you will pay on a loan.

2

INFORMATION USED TO CALCULATE YOUR CREDIT SCORE CAN INCLUDE:

  • The number and type of accounts you have (credit cards, auto loans, mortgages, etc.);
  • Whether you pay your bills on time;
  • How much of your available credit you are currently using;
  • Whether you have any collection actions against you;
  • The amount of your outstanding debt; and
  • The age of your accounts.

3

WHAT CAN CAUSE MY CREDIT SCORE TO CHANGE?

Because your credit score reflects the information in your credit report, changes to your credit report may cause your credit score to change. For instance, if you pay your bills late or incur more debt, your credit score may go down. However, if you pay down an outstanding balance on a credit card or mortgage or correct an error in your credit report, your credit score may go up.

4

HOW CAN I GET MY CREDIT SCORE?

In some cases, a lender may tell you your credit score for free when you apply for credit. For example, if you apply for a mortgage, you will receive the credit score or scores that were used to determine whether the lender would extend credit to you and on what terms. You may also receive a free credit score or scores from lenders when you apply for other types of credit, such as an automobile loan or a credit card.


YOU MAY ALSO PURCHASE YOUR CREDIT SCORE FROM ANY OF THE CREDIT BUREAUS BY CALLING THEM OR VISITING THEIR WEBSITES.


Equifax: Call 1-800-685-1111 or

visit www.equifax.com/compare-products

Experian: Call 1-888-397-3742 or

visit www.experian.com/consumer-products/personal-credit.html

TransUnion: Call 1-800-493-2392 or

visit www.transunion.com

Credit Education

Everyone’s financial situation doesn’t always require credit repair. It is however extremely important to audit your credit reports before applying for credit. When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit. Getting a credit audit will give you a chance to correct any errors or make other moves to improve your credit score before applying.

1

WHAT IS A CREDIT SCORE AND HOW IS IT CALCULATED?

A credit score is a number that reflects the information in your credit report. The score summarizes your credit history and helps lenders predict how likely it is that you will repay a loan and make payments when they are due. Lenders may use credit scores in deciding whether to grant you credit, what terms you are offered or the rate you will pay on a loan.

2

INFORMATION USED TO CALCULATE YOUR CREDIT SCORE CAN INCLUDE:

  • The number and type of accounts you have (credit cards, auto loans, mortgages, etc.);
  • Whether you pay your bills on time;
  • How much of your available credit you are currently using;
  • Whether you have any collection actions against you;
  • The amount of your outstanding debt; and
  • The age of your accounts.

3

WHAT CAN CAUSE MY CREDIT SCORE TO CHANGE?

Because your credit score reflects the information in your credit report, changes to your credit report may cause your credit score to change. For instance, if you pay your bills late or incur more debt, your credit score may go down. However, if you pay down an outstanding balance on a credit card or mortgage or correct an error in your credit report, your credit score may go up.

4

HOW CAN I GET MY CREDIT SCORE?

In some cases, a lender may tell you your credit score for free when you apply for credit. For example, if you apply for a mortgage, you will receive the credit score or scores that were used to determine whether the lender would extend credit to you and on what terms. You may also receive a free credit score or scores from lenders when you apply for other types of credit, such as an automobile loan or a credit card.


YOU MAY ALSO PURCHASE YOUR CREDIT SCORE FROM ANY OF THE CREDIT BUREAUS BY CALLING THEM OR VISITING THEIR WEBSITES.


Equifax: Call 1-800-685-1111 or

visit www.equifax.com/compare-products

Experian: Call 1-888-397-3742 or

visit www.experian.com/consumer-products/personal-credit.html

TransUnion: Call 1-800-493-2392 or

visit www.transunion.com

Business Credit

Is your business Credit Worthy? Are you an entrepreneur or small business owner who understands the importance of building business credit and obtaining funding without putting personal credit or personal assets at risk?


Designed from the practical, real-world needs we see every day among entrepreneurs and small business owners, our national step-by-step Business Credit Building System and funding engine, which serves over 52,000 entrepreneurs, small business owners, finance professionals, real estate investors, and non-profit organizations, is the premier program to help you build a creditworthy business and obtain the funding you need without having to put your personal credit or personal assets at risk every time.

1

PREMIER BUSINESS CREDIT BUILDING SYSTEM

When advancing through our step by step process, business owners are provided access to vendor lines of credit, fleet cards, business credit cards with and without a PG, funding sources and lenders that report to all the major business credit bureaus.

2

EXCLUSIVE HIGH LIMIT BUSINESS CREDIT CARDS

Whether a startup or existing business, we can get clients’ unsecured lines of credit in the form of business credit cards that only report to the business credit agencies. With combined credit limits as high as $200k and introductory rates as low as 0%, these exclusive cards are ideal for business owners looking to protect their personal credit while building business credit.

3

BUSINESS LOANS

If a client needs a loan to expand their business, purchase a business, invest in real estate, start a new franchise, purchase equipment, or refinance existing debt, we have loan programs available. Our business loan programs include revenue-based loans, term loans, hard money loans, and SBA loans.

4

EQUIPMENT FINANCING

Instead of using credit lines or existing cash to meet the equipment needs of a business, equipment financing is an excellent alternative. We can get client’s equipment financing & leasing whether it’s a startup or established business. With 100% financing clients can get funding for vehicles, computers, office equipment, heavy machinery, medical and restaurant equipment, and much more.

5

RETIREMENT FUNDING

With a business directed retirement account clients have the freedom to invest in their own business. A Business Directed Retirement Account (BDRA) gives a client the ability to be the investor and owner of their business. Rather than pulling money out of a retirement account for funding and receiving a 10% penalty and paying income tax of 35-40%, this program is an ideal alternative.

Business Credit

Is your business Credit Worthy? Are you an entrepreneur or small business owner who understands the importance of building business credit and obtaining funding without putting personal credit or personal assets at risk?


Designed from the practical, real-world needs we see every day among entrepreneurs and small business owners, our national step-by-step Business Credit Building System and funding engine, which serves over 52,000 entrepreneurs, small business owners, finance professionals, real estate investors, and non-profit organizations, is the premier program to help you build a creditworthy business and obtain the funding you need without having to put your personal credit or personal assets at risk every time.

1

PREMIER BUSINESS CREDIT BUILDING SYSTEM

When advancing through our step by step process, business owners are provided access to vendor lines of credit, fleet cards, business credit cards with and without a PG, funding sources and lenders that report to all the major business credit bureaus.

2

EXCLUSIVE HIGH LIMIT BUSINESS CREDIT CARDS

Whether a startup or existing business, we can get clients’ unsecured lines of credit in the form of business credit cards that only report to the business credit agencies.

With combined credit limits as high as $200k and introductory rates as low as 0%, these exclusive cards are ideal for business owners looking to protect their personal credit while building business credit.

3

BUSINESS LOANS

If a client needs a loan to expand their business, purchase a business, invest in real estate, start a new franchise, purchase equipment, or refinance existing debt, we have loan programs available. Our business loan programs include revenue-based loans, term loans, hard money loans, and SBA loans.

4

EQUIPMENT FINANCING

Instead of using credit lines or existing cash to meet the equipment needs of a business, equipment financing is an excellent alternative.

We can get client’s equipment financing & leasing whether it’s a startup or established business. With 100% financing clients can get funding for vehicles, computers, office equipment, heavy machinery, medical and restaurant equipment, and much more.

5

RETIREMENT FUNDING

With a business directed retirement account clients have the freedom to invest in their own business. A Business Directed Retirement Account (BDRA) gives a client the ability to be the investor and owner of their business. Rather than pulling money out of a retirement account for funding and receiving a 10% penalty and paying income tax of 35-40%, this program is an ideal alternative.

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720 FICO Club @ 2022 All Rights Reserved.

4050 Pennsylvania Avenue

Kansas City, Missouri, 64111

Tel: (816) 653-0900

Email: support@720ficoclub.com