Tell them this: We want to get rid of your negative, we want to add the positive and then tip the scales....

I don’t know if you can see that in your head, tip the scale in your favor... it will offset your debt to credit ratio.

Debt to Credit Ratio:  (Your debt to credit ratio is:)

Area1:  how much debt you have overall on your report vs how much available credit

(example you have 170,000 in credit available but 100,000 in debt, you need more tradelines and to pay down the debt. until you get the debt below a 30% ratio)

Area2:  each individual credit card limit vs how much debt you have with it

For optimum Credit Score (30-40% of score is based on this), never have more than 30% of debt of the available credit.

We don’t want you to use our tradelines, then if you want credit cards, the credit card companies will see you have a large amt of credit your not using, and that’s how your going to get approved and it will help your scores increase.

Sometimes they would need more trade lines than what is listed on the credit report (include all three in the welcome) because we have to offset the debt.  If our clients don't follow our recommendations and program, they won't have optimal results.

We design a trade line program based the clients profile (their profile may or may not qualify them for a particular type of trade line).

Every client should at least get the first $7500 trade line.

Some clients are referred to our $300 dollar tradeline many say why should I get that?  Here's why this reports to all three bureaus monthly. (they have to pay resper fees to do this) but every three months if you are paying on time, they will increase your limit $300.  In a year you could have $1200-$1500 credit on that tradeline, and it will show Fair Issiac (that scores your FICO score), that you have credit available and that lenders are available to lend.

We have other tradelines available also, and may recommend you get them, this is important to help your score and credit.  

Customers who use our services (anyone with a score lower than 820), need improvement in 1 if not all of these areas 1. Degrogatory Credit 2. Late Payments 3. Debt to Credit Ratio 4. Inquries 

The four areas that help improve your score is

1. Deleting the derogatory (negatives)*

2. Updating late payments as paid as agreed

3. Adding trade to offset the debt to credit ratio

4. Opting out -  deleting the last 6 months of inquiries and opting you out of the preapproved junk mail offers that post inquiries which hurt your scores.

 *Mis reporting, inaccuracies, triple reportings - the fair credit reporting act was inacted because these items should not of been posted in the first place, they must be completely removed legally, permantly and cannot be reinserted once they are deleted.