Allstate Title and Allstate Business Consultants Inc :Allstate Title and Allstate Business Consultants Inc 850 546 578 569 326 801 659 826 785 638 475 406 850 546 578 569 326 801 659 826 785 638 475 406


Scott (The Credit Man) Somers :Scott (The Credit Man) Somers Florida resident since 1980, Born and Raised Currently Residing in Ft. Lauderdale Graduated from FSU in 2002 Have been in the real estate industry since I graduated college Play Adult kickball on a nationally ranked team “THE” Credit Restoration Specialist 850 546 578 569 326 801 659 826 785 638 475 406


Allstate Business Consultants, Inc. :Allstate Business Consultants, Inc. Located at 7520 NW 5th Street in Plantation Attorney-owned entity specializing in credit counseling and debt settlement Our company has over 80 years experience in financial services Lifetime service 850 546 578 569 326 801 659 826 785 638 475 406


CREDIT RESTORATION :CREDIT RESTORATION We Can Help Anyone Who: Has Bad Credit HAS BEEN A VICTIM OF IDENTITY THEFT Has problems with collection agencies Needs to buy a home, business, or automobile Has been denied or needs to re-establish credit Benefits: Bankruptcies and Foreclosures removed Judgments and Collections removed Make your Credit BANK WORTHY Client For Life 954-614-5853 Allstate Business Consultants, Inc. “What's your Credit Score” 7520 NW 5th St. Suite 100 Plantation, FL 33317 www.WhatsYourScore.biz/scott Email: Sjsomers@bellsouth.net Call Scott (The Credit Man) Today For a FREE Consultation!


Re-establish Credit from Derogatory Items :Re-establish Credit from Derogatory Items Bankruptcy Judgments Foreclosure Inquiries Collections Tax Liens Repossession Short sale Loan Modifications Late payments brought current 850 546 578 569 326 801 659 785 638 475 406


Your Credit Score :Your Credit Score Calculated using an “algorithm” Simply: complex mathematical formula Scores range from 300 to 850 Determines interest rates from banks, credit card companies, mortgage companies, auto dealers, insurance companies Determines pricing from cell phone companies, cable companies, utility companies Can be Denied Even determines employment eligibility! 850 546 578 569 326 801 659 826 785 638 475 406


Your Credit Score :Your Credit Score Equifax = BEACON Experian = FICO TransUnion = FICO A FICO credit expert stated that the FICO software analyzes your habits over the last 2 years. Of all the calculating that system does, six rating factors are positive and eighty-eight are negative… 850 546 578 569 326 801 659 826 785 638 475 406


Your Credit Score :Your Credit Score That means the odds are not in the favor of the American citizen. The software code is looking for eighty-eight things that can be used against you. The software is designed to find things to make your score drop. 850 546 578 569 326 801 659 826 785 638 475 406


Your Credit Score :Your Credit Score 35% - Payment History # of accts paid; collections or neg public records; delinquent accts: total # of past due items; how long past due; how long since you made a late pymt 30% - Amounts You Owe How much you owe on accts & types of accts w/ balances; how much credit lines used; amts owed vs. original balances; # of zero balance accts 850 546 578 569 326 801 659 826 785 638 475 406


Your Credit Score :Your Credit Score 15% - Length of Your Credit History Total length of time tracked by credit report; length of time since accts opened; time passed since last activity; 10% - Types of Credit Used Total # of accts & types of accts (credit cards, mortgages, car, etc.) 850 546 578 569 326 801 659 826 785 638 475 406


Your Credit Score :Your Credit Score 10% - New Credit # of accts recently opened; proportion of new accts to total accts; # of recent credit inquiries; time passed since recent inquiries or newly-opened accts; re-established positive credit history after encountering problems 850 546 578 569 326 801 659 826 785 638 475 406


DO NOT UNDERESTIMATE THE IMPORTANCE OF YOUR CREDIT! :DO NOT UNDERESTIMATE THE IMPORTANCE OF YOUR CREDIT! 850 546 578 569 326 801 659 826 785 638 475 406 850 546 578 569 326 801 659 826 785 638 475 406


Debt Settlement :Debt Settlement Benefits: Debts can be reduced up to 75% Prevent persecution from creditors Eliminate late fees, over the limit fees and high interest rates imposed by creditors Avoid having to file Bankruptcy Keep you hard earned assets 954-614-5853 Allstate Business Consultants, Inc. “What's your Credit Score” 7520 NW 5th St. Suite 100 Plantation, FL 33317 www.WhatsYourScore.biz/scott Email: Sjsomers@bellsouth.net Call Scott (The Credit Man) Today For a FREE Consultation! Debts that can be Settled: Credit cards Medical Utility Bills Judgments


Slide 14:Loan Modifications Behind on Payments? Facing Foreclosure? Unable to sell your home? Unable to refinance? Currently in an option arm loan? Currently in a negative amortization loan (pick-a-payment)? YOU ARE NOT ALONE! We will help you get your keys back!


Slide 15:Residential, Investment, Commercial Very experienced negotiators working on your behalf Lower your Interest rate Defer Past Due Balances Principal Reduction Obtain Affordable FIXED Payments KEEP YOUR HOME 100% Money Back Guarantee Free Consultation Attorney owned and on the premises Loan Modifications


Questions? :Questions? Come in for a FREE consultation! Call Scott at (954) 614-5853 Visit our office at 7520 NW 5th Street, Plantation Fl 33317 850 546 578 569 326 801 659 826 785 638 475 406