Turnkey Financial Credit Optimization Service Experience Explanation Empowerment

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Turnkey Financial Credit Optimization Service
Experience Explanation Empowerment

Welcome to Turnkey Financial A Credit Consulting
and a Rescoring Optimization Service to the
Lending Community!
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Turnkey Financial Credit Optimization Service
Experience Explanation Empowerment

• The OBJECTIVE of this presentation is to show
  how we can
• Potentially, assist both the consumer and the
  lender in making more funding available with the
  best possible terms available at the moment!
• Turnkey Financial provides QUICK Rescoring to
• Mortgage/
• Auto/
• Construction and
• Realtor/
• Other Professional lenders the ability to bridge
  the credit information gap and empower them to
  give a true value added service to their
  clients on a Timely basis!

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Who we are and What we Do!

• Turnkey Financial provides the
  Realtor/Mortgage/Auto/Construction Professional
  lenders the ability to bridge the credit
  information gap and empower them to give a true
  value added service to their clients on a
  Timely basis!
• Unlike the traditional credit repair companies,
  Turnkey Financial utilizes advanced technology
  and e-commerce capability to achieve fast,
  reliable results for its clients by having direct
  access to the major credit bureaus!
• This allows us to provide credit scoring
  improvments in within 15 days and if we dont
  within 45 days we refund the money, not 6-12-18
  months or more!
• By taking full advantage of these systems,
  Turnkey Financial is able to provide the ultimate
  in service and professionalism at a fraction of
  the cost of many of the traditional credit repair
  companies!

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Turnkey Financial Credit Optimization Service
Experience Explanation Empowerment

• Experience
• Turnkey Financial has assembled a team of
  experienced professionals with varied and deep
  skill sets in credit, accounting, management,
  software development, and marketing.
• Upper management provides you more than 100 years
  of credit management experience!
• Explanation
• Turnkey Financial was developed to provide
  critical support for professionals lenders
• to help them maintain a high degree of competency
  regarding the credit score improvement
• while directly controlling the direction and
• flow of information pertaining to the loan
  transaction.

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Healthy Credit is a Necessity

• Now, more than ever before, credit is a
  necessity!
• From the house that you live in to the car that
  you drive, your credit score impacts almost every
  facet of your life. With the price of housing and
  transportation now on the rise, it has become
  more important than ever to achieve and maintain
  a healthy credit score.
• A poor credit score can cost you hundreds of
  dollars each month in additional interest
  payments, or can keep you from getting approved
  for credit altogether.
• Home Mortgage
• A 150,000 to 250,000 home can cost between
  50,000 and 130,000 more in interest over the
  term of the loan, if you are buying the home with
  a low credit score!
• Typically, 20-60 POINTS on your credit score
  could cost you between 150,000 and 200,000 on a
  350,000 to 400,000 home!

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The Turnkey Financial Solution

• The consumer is provided with a detailed, written
  credit prescription (aka Rx) to be followed
  step-by-step by the consumer with the companys
  guidance.
• Turnkey Financial has created a unique and
  integrated approach to credit score improvement
  centered on both the critical needs of the
  consumer and the Realtor and Mortgage
  Professional.
• Using the consumers credit report, our credit
  experts analyze and perform credit simulations to
  devise the best course of action to maximize
  credit score improvement for the least amount of
  cash out-of-pocket.
• 1.Enter Available Cash Setting
• 2. Need Immediate Results?
• 3. Can You Wait 30 Days?
• 4. Is the Credit File Accurate?
• 5. TAKE ACTION!
• 6. Develop Actions
• 7. Did You Gain Enough Points?
• YES--Follow the actions recommended exactly
  and perform a instant rescore or wait until next
  bureau update
• NO--Try other scenarios If all options
  exhausted with no score improvement Setup a
  longer term plan for improvement!

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Credit Optimization

• There are Three main components to credit
  optimization
• An accuracy assessment to identify incorrect,
  missing and outdated information. Credit
  maximization, which identifies legitimate ways to
  increase a borrower's score through credit
  management and behavior modification, i.e.,
  paying down debts. Relationship management,
  where brokers work with consumers to put their
  credit maximization plans into action.More than
          25 of consumers can qualify for a
  better loan,        35 of what is normally
  declined can be salvaged and         77 of
  all consumers can potentially improve their
  middle scores.

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What is a Good Credit Score?

• According to Fair Isaac, more commonly referred
  to as FICO, the average credit score in the
  United States is 723 on a scale of 850. Fair
  Isaac is the main credit-scoring model that most
  all creditors use here is their credit-scoring
  breakdown
• 700 and above Very good to excellent. Lenders
  will have no problems providing you a loan.
• 680 to 699 This credit score puts you in the
  "Good" category. That one point for excellent
  credit generally makes little difference to
  lenders so don't sweat it
• 620 to 679 If your credit score falls into this
  range, you fall into the "Okay" category. The
  closer your score is to 679, the better. 620 is
  consider to be a "par" credit rating and you may
  be required to provide supporting information
  such as additional income statements, personal
  and professional references,etc.
• 580 to 619 While you aren't in the "Bad"
  category yet, you are teetering on the edge if
  your credit score falls in this range. 620 is the
  prime rate cut-off, so plan on paying a higher
  interest rate or work on improving your credit
  score.
• 500 to 580 You can still get credit in this
  scoring range, but expect to pay a very high
  interest rate and look closely at the terms of
  your agreement.
• 499 and below Yes, even with as score of 499 or
  below you can still be extended credit, but the
  interest rates will kill you financially. Take a
  year or clean up your credit and reapply at a
  later date.

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Did You Know?

• You've finally paid off that high-interest credit
  card!
• Now, it's time to close the account and put that
  debt behind you, right? Wrong!
• Credit cards and loans that are in good standing
  can positively impact a Credit Score.
• While closing the account may give you a sense of
  satisfaction, it could negatively impact your
  Credit Score.
• That's because many lenders view accounts in good
  standing as positive factors on your Credit
  Report.
• Such accounts show a pattern of positive credit
  behavior, like paying bills on time, and also add
  to the length of time you've had established
  credit.
• So before canceling older accounts, consider the
  potential impact to your Credit Score.

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REFUND POLICY

• Refund
• The Company does not guarantee results. However
  the Company will refund applicant(s) fee if the
  written action plan (theRx), when followed
  step-by-step by the applicant fails to produce
  and overall improvement of the applicant(s)
  individual credit score with one or more of the
  Credit Bureaus, once the Rx is completed and
  applicant(s) credit score has been rescored. This
  refund is void if either
• The applicant(s) fails to complete all requested
  action items as described and outlined in the Rx
  or
• Applicant(s) credit report incurs any new changes
  or derogatory files during the improvement and
  rescoring process.
• Buyers Right to Cancel
• You may cancel this contract without penalty or
  obligation at any time before midnight of the 3rd
  business day after the date on which you signed
  the contract. See the attached notice of
  cancellation form for an explanation of this
  right.

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Let us Work for You

• To put our team to work for you, we first need to
  register you as an authorized user on our
  website.
• Once registered, our system will email you a
  verification email with your password and
  instructions on how to activate your account.
• To register, please contact your Turnkey
  Financial team member or e-mail us at
• E-mail to creditimprovement_at_turnkeyinternationa
  l.com