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www.TheCreditTutor.com

“Break Free of the Credit

Trap”©

Is Your Credit Score Hurting You?

Your Credit Score AffectsMortgage Rate Credit Cards

Auto Insurance Student Loan

Employment Apartment Rental

Car Payments Utilities

What Is a Credit Score?• Are you credit worthy?

• Do you pay your bills on time?

• Do you know your FICO Score?

Key Factors That Affect Your FICO Score

• 35% = Payment History

• 30% = Debt Ratio

• 15% = Length of Credit History

• 10% = Type of Credit

• 10% = Number of Credit Inquiries

Main Credit Reporting Agencies

Equifax

Experian

TransUnion

5 Credit Myths1. Credit Agencies Are Governmental Agencies2. Credit Agencies Are Required to Keep

Derogatory Information for 7-10 Years3. Information On Your Credit Report Can Not

Be Changed4. Bad Credit Can Not Be Restored5. Credit Repair Companies Are A Scam

According to the Government Accountability Office

80-90% of credit reports have SERIOUS ERRORS on them

For FREE Copies of Your Credit Reports go to:

www.AnnualCreditReport.com

Ways to Manage and Improve Your Credit Score

• Keep your debt-to-available credit ratio at around 25%.

• Pay your bills before the due date and keep your inquiries low.

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Get Help From The Credit Tutor

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“Our Destiny is not Written for Us, but by Us.” -President Barrack Obama

WWW.TheCreditTutor.com

“Break Free of the Credit

Trap”©