PEREZ ENTERPRISES LLC

image14

Consumer Credit Coaching Services

YOUR CONSUMER CREDIT SCORES MATTER...

Whether you're an individual consumer or a small small business owner with marginal to poor personal credit scores, you're in an incredible financial disadvantage.  Poor credit scores are harmful to your personal and business financial success!


GREAT PERSONAL CREDIT SCORES (above 730) will save you thousands of dollars in interest, whether for business, mortgage, or personal loans.  That's money in YOUR bank, not someone else's pocket.  In addition, if you're considering an SBA-guaranteed business loan, you better be ready to show excellent personal credit scores!


As you may already know, a credit score is the mathematical representation of what's in your credit report (the good, the bad, and the ugly). It's your numerical "credit reputation" as far as consumer credit and lending is concerned.  


In a nutshell, it's the number your lenders see and use to determine whether they can trust you'll pay back what you borrow in the form of loans, mortgages, credit cards, and many other financial products.


Let me put it this way: if your credit score is less than a 500 you might as well call it quits as far as consumer lending is concerned.  If your score is between a 500 and 619, your credit is considered "poor" and your chances of getting any form of consumer loan are pretty slim (in the event you do, you’ll pay up the gizzards for that "privilege").  


If your credit score is between a 620 and 679 your score is considered "fair" and you'll be stuck with a "sub-prime" or crappy interest rate for years to come; if your scores are a 680 and 720 your scores are considered "good" and you'll pretty much get decent interest rates on most loans.  


But when your scores are between a 730+ your scores are considered "excellent" and you'll get the best rates in the consumer finance industry.  


I'm a believer in "amazing credit" which I classify as 800+ credit scores. At that level you're a CREDIT SCORE SUPERSTAR! That's the magical number I teach consumers how to strategically reach if they're really serious about personal and business financial success.


So, what’s the solution to poor personal credit? CREDIT COACHING!  So let me help you improve your PERSONAL CREDIT SCORES and double your credit strength by serving as your Credit Coach


WHAT IS "CREDIT COACHING?"


One of the most important consumer-friendly pieces of legislation that ever came out of Congress is the "Fair Credit Reporting Act" (FCRA). It was enacted October 26, 1971 and amended about a dozen times. 


In a nutshell, the FCRA is designed to protect our rights to fair and accurate credit reports.  This means that that every American consumer has the right to dispute any and all inaccurate, obsolete, and unverifiable information in the credit reports held by the three major credit reporting companies (CRCs) -- Equifax, Transunion, and Experian.


Credit Coaching is designed to help you ensure your credit reports are reflecting the most accurate credit data which will, in turn, reflect the highest FICO credit scores you deserve.  The model we use is what we call the "DEAP Model" of credit coaching.  Remember, it's not only about disputing!


Your credit reputation (credit report + credit scores) will determine whether you get the absolute best financial products from the credit and financial industry or whether you'll be snookered into crappy products that will cost you thousands of dollars more than someone with amazing credit (800+ FICO credit score).


Remember, junky credit reports are connected to junky credit scores and junky credit scores means paying, according to Entrepreneur Magazine, over $100,000 more on interest and fees during a life-time on mortgages, credit cards, auto loans, auto insurance, life insurance, property insurance, and every imaginable financial product known to humankind. $100,000!!!  That's crazy!


If you're ready to begin, follow these steps...


1) Call me at 407-877-0406 for a FREE 15-minute phone consultation (PLEASE leave a voice message if I'm not in my office and I'll get back to you in less than 24 hours).


2) Obtain your tri-CRC credit report and scores from IdentityIQ for $19.99. CLICK HERE NOW TO OBTAIN THE REPORTS AND SCORES.


3) Provide me access to the IdentityIQ account so I can download an html copy of the tri-CRC credit report and scores to provide you a FREE credit analysis.


4) I'll call you back for a second FREE 15-minute consultation and provide the key insights on the challenges and the opportunities for the way forward.


5) Begin the four rounds (about six months) of credit coaching services on your way to greater business and personal financial success! 


For more information on our CONSUMER CREDIT COACHING SERVICES,  please call 407-877-0406 (please leave a voice message!) or send your contact information using the CONTACT FORM and we'll call you back within 24 hours or less (during the weekday).  Call today! 

Consider this...

Two people with the same financial profile go to buy houses that are exactly the same (2000 square feet, three bedrooms, and two baths) in a nice part of town.  Each house costs $250K. The difference is that one has a 580 FICO credit score and the other has a 775 FICO credit score.  Who's going to pay $108,716 MORE in combined principle and interest payments for their house during the course of a 30-year mortgage?   You guessed it, the person with the 580 FICO credit score.  Get your credit score house in order!