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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!
               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!
    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
     don’t 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!
               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.
    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;
        1.   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!
        2.   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!
  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 company’s 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 consumer’s 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!
            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.
     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.
                       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.
                    REFUND POLICY
Refund:
The Company does not guarantee results. However the
  Company will refund applicant(s) fee if the written action plan
  (the”Rx”), 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;
   1. The applicant(s) fails to complete all requested action items as described
      and outlined in the Rx; or
   2. Applicant(s) credit report incurs any new changes or derogatory files
      during the improvement and rescoring process.


Buyer’s 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.
             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@turnkeyinternational.com

				
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