Hey folks, Dan Frio here again with your mortgage update, but
today we're gonna talk about something a little bit different.
The biggest question I get a lot of times is when people are reaching out to me,
they're like, Hey, what can I qualify for?
But did you know the biggest piece of this puzzle is your credit score?
It's that
and usually how much you put is a down payment, but the credit
score is very important here.
Credit score is also very important when it comes to credit cards, your
insurance, believe it or not, you might not even be able to get a
job because your credit's so bad.
So what I did is I kissed a lot of frogs throughout my time.
And you can tell I'm a little bit old with all my gray hairs, but I kissed
a lot of frogs throughout these years.
Found finally a solution because on our side of the equation, if you've ever
worked with us, we pull your credit and then we go over that with you.
And then we explain to you guys, here's your credit score, but
there's a little score underneath it.
And it'll usually say plus 10 or plus 20, what that score is if you did something.
That's how much credit or how much improvement to your credit you would get.
So meaning if let's say in this case, this person has a 639 credit, but
in this case they could pick up possibly 90 points by doing something.
What is that something?
And usually when you guys reach out to us and we do this for you,
it's really expensive on our end.
And unfortunately we have to share that cost to you.
But I finally found a solution that don't, won't only pull your credit.
It'll give you your credit scores.
It does so much more, and you can see down below, I did create a website
called Credit Scores and More to provide all these, this information to you.
So I have Jimena here with us.
She is with SmartCredit.
And she's gonna help us today, figure out this process and
I'll have the link down below.
So you guys subscribe and if you use my link, you're gonna get, I
think it's about 20 or 25% off.
So I'd appreciated if you used it.
And so let's get to it.
Alrighty.
So welcome.
Thanks for reaching out to me, cuz without you reaching out to me, it was
would've been a frog that I never kissed.
I didn't mean that in any weird way.
No, all good.
That's hilarious.
First of all, thank you so much for having me.
Go ahead and tell everybody about yourself.
And then I wanna get into this system, cuz this is so cool.
Absolutely.
So I'm the VP of Product Partnerships here at SmartCredit.
And I'm so excited to share with you guys how our system works.
Cause I feel like we, we're still like one of the best tech secrets in the industry.
So I wanna walk you through some very simple and quick ways
that you can get your credit up.
And also protect it.
So without further ado, I'm just gonna dive right into it.
As you can see, I am sharing my screen and we have patents in our technology
that we've built in the past 20 years.
So we're our trusted source.
We've been around for a very long time.
We're a very reliable.
And I'm gonna share with you one of the first ways that you can boost
your score within really 30 days.
So if you see our ScoreBoost feature here, if I click on it, and this
is a test account that we're in.
You can see this test account owes $15,000 in credit card debt.
Let's say that's what I owe.
And let's say I don't have that kind of money to pay on my cards next month.
But I do have 6,400.
So you just move the dial to where you're at and what you can
afford to pay for next month.
And then we're gonna tell you which cards to pay by when and how much.
And if you follow that plan, we're also gonna share with you how many points
your score will go up by following that very custom plan on your credit.
just so you know, when we did, when we do this for the clients, it
costs us about 50 bucks to run that.
And then it costs us about a hundred dollars per account to get it fixed.
It just is rolling that out there.
Wow.
That's a lot of money.
Yeah.
It's not gonna cost you anywhere near that with us.
But you can see here that this tells you basically, we're gonna
have you pay four days before your credit's gonna update to the bureaus.
Now your payment due date is not when you should be paying my card, your card.
I'll give you an example, right?
Before I used to work here for the life of.
I could not get past a 740 credit score.
I paid all my cards on time, but I was also paying the very
last day I possibly could.
So when I started following my ScoreBoost plan, my score shot up
to a 790 consistently because, obviously the lower that you owe on
your credit card and the lower credit card credit that you have available,
the better your score is gonna be.
And so for the longest time, I didn't know that.
And then I was just paying on the last day.
So my balance was bigger when it was reported that it should have been.
So just by doing this, you guys can get some points very quickly here.
Likewise,
if you're gonna go on a shopping spree, we tell you, Hey, put it on this card.
Okay. By this date, otherwise it's gonna cost.
You X, Y, Z, on your credit again, that's usually at least if you were
to get it fixed on the credit bureau using like us or a service like
us, it would be a couple hundred bucks just for that one transaction.
So that's what we call the, what if simulator.
Yeah.
So you could see here that this test account has 78 points available
just in the score boost feature.
But then we have another 90 points available in score builder.
Now this is gonna be available to you if you have negatives on your credit report.
So let's click on taking action.
I'm gonna go a little faster, this tutorial, cuz we don't
need to spend time on that.
I wanna show you the important part of how this system works.
But what it's gonna show you is the accounts that are hurting your score.
And then most of the time, most places are going to stop here and then say, Hey,
these accounts are not in good standing.
Here's some advice of what you can do to take care of it, but you
still have to invest your time and or your money or both to have this.
With us, we will take care of it for you.
So what do mean? I'm gonna click on, let's keep going and then I'm gonna
click on, let's take an action.
So what are the action guys?
We're about getting results directly for our platform.
So this is a Citibank account.
It's a 90-day late.
Let's say, you know what?
I was 90 days late and I wanna request a goodwill correction.
I just click on that.
I select my reason for why I want that
correction
I click on it.
Maybe I create my own reason.
That's fine too.
Or let's say it wasn't credit reporting error.
So I would just say, Hey, I wanna fix this error.
I was not 90 days late, or this account was transferred or whatever it might be.
And then I complete hit next.
When I hit confirmed mail delivery, we're going to send a physical
letter to Citibank on your behalf.
It's either gonna be by fax or by mail, but it's an actual
physical document because it's more effective than online disputes.
And basically, we're gonna send that to them
now, if they approve that.
They by law have first of all, 30 days to respond.
Second of all, they by law have to tell all three bureaus that this is
something that they are approving.
So you, by handling this through our platform are literally handling it with
the creditor and the bureaus all at once.
And all you did was push a button and you didn't have to mail any
letters, call anyone doing that.
That's pretty cool because most of the other agencies that I've
worked with in the past, or talked to in the past, all they do is
just mass load out dispute letters.
And now the bureaus know the dispute letters are just BS at this point.
And I don't even think they, they used to have to take 'em off
your credit report for 30 days.
I don't think they have to anymore because the dispute letters just
hold not much value anymore at all.
So we don't do any directive bureau dispute, it's all direct to creditors.
If this path doesn't work, you can try to live past, this is the one
that you've got within our platform.
So I really.
Thank you.
So think of this top part as this is where we're going to build your score.
And these are patented, technology specific two hours, but building your
score is just really part of the equation.
Once you've got a good score you wanna protect it.
You've gotta protect it.
Cause now you've got something that something else wants.
So obviously we're gonna give you 24/7 credit monitoring, but we're gonna go
even a step beyond that because there is something that is a lot more prevalent
and I've experienced it several times over the past few years where people steal
your credit cards that start creating all these fraud charges on your credit cards.
Have you ever had that happen,
Dan?
I just had that happen last Friday.
Oh, there you go.
So we've built out what's called Money Manager within the account, and I can
connect all my checking investments, credit cards, so I can get a full
financial picture of my financial life within one platform, which makes
everything really easy to manage.
But where I find the most valued personally is by connecting my credit
cards in here and then setting up alerts.
So if I go to the alert section and I click on that, I say,
Hey, for any transaction over a hundred dollars, or if you.
For every transaction to get a notification, I'll
get an email and a text.
And that way I can know whether those transactions coming through
my cards are actually mine.
I stopped fraud this way twice
now and my credit card companies did not tell me about this.
I saw charges that
I didn't recognize coming through from here.
And I was able to stop the fraud as it was happening.
So we've actually covered there.
Very cool.
The last thing where we've also got you covered is a Million Dollars
in Identity Fraud Insurance.
You might find that competitors also offer this, but they're
offering it at a much higher price.
So by going through us, not only do you get that, but do you also
get all the credit building tools, all the credit monitoring and
also the credit card monitoring.
So it's really an all-in-one financial platform for building protecting
your credit and keeping track of all of your finances in a simple
place that easy to use all in one. And in this, I'll vouch for it.
Yeah, I use it.
It's easy to use.
That's the biggest piece of the puzzle when I was actually giving you a kudos.
When I said you guys don't send out to dispute letters, because normally
when you hire like a debt resolution company or a credit repair company
you're not a credit repair company.
I don't mean it that way.
Yeah.
But when you hire those companies, all they do is send out dispute letters.
So this platform not only gives you your credit cuz you get one
free credit report run a month too, right?
Yeah.
So you actually get so this right here is gonna be your vantage score.
We're pulling this from Transunion.
You can update this every day, if you want.
The three bureau reports and scores that's you all three bureaus.
This refreshes me once a month for you.
Awesome.
So in again, most platforms are just gonna give you vantage scores.
You don't have access to your true credit scores.
So if you ever watch my videos, you understand the difference there.
So not only do you get that,
you get the piece of this puzzle that will give you, that we have
access to most of the times you as a client don't have access to it.
It's I call it the, what if, and it was that the screen booster or
the score booster that she went over that says, if I let's say I had two or
$3,000, or let's say I had a thousand dollars, how could I use that money
in the most prudent ways to get my credit scores up as high as I could.
And it tells you not only tells you if you have $4,000 or a thousand dollars even.
If you did that, what accounts would you apply those to?
When would you apply 'em and how much exactly would it boost your credit scores?
That alone is worth a ton of money because on our platform, again, just pulling
your credit reports, 40, 50 bucks, and then every time we have to do an upgrade.
So if we do the, what if simulator on our side is probably 50 to 75
bucks, and then to fix it at the bureau level, it's cost you $100
for every item that you need fixed.
This platform, it's basically a click and play.
You click it, you tell it what kind of dispute or why you think
that information is inaccurate and they do all the work for you.
And then you're just gonna sit there and watch your credit scores build.
So those are the pieces of the puzzle that really, is why I use the system.
And then I also use the system cuz it triggers me because
I have in the office here.
There's my credit cards all over the place.
We use it for all kinds of things, unfortunately.
But I get dinged.
I get dinged.
So I know what's happening.
And last, the other last Friday is I got you just asked this question.
My wife calls me and says did you just rent a hotel in Miami, Florida for $4,000?
And I'm like, oh my God, girlfriend, I'm at work right now.
And I'm no plans on going to Miami, Florida.
So that's what happened Friday.
And this, if I would've had this system tagged to that
credit, It would alerted me.
I didn't have, wouldn't have to wait all the way to the point where it gets charged
and transaction and everything else.
So those are just minor pieces of this puzzle
why I feel that this is the system I use and I'm actually, providing
it out to you guys in the public.
And it, down below it is an affiliate website.
I do make a couple dollars if you subscribe.
But if you use that, that link down below that I have, you're
gonna get a discount and
you're gonna get better pricing anyways.
Yeah.
Just to talk to that point, you guys are gonna get a $1 trial by using that
link, which is not available directly on the homepage, and you're also
saving $5 per month off of Dan's link.
Definitely make sure you use Dan's link.
You're gonna save $60 a year and you're gonna get a free trial just to try it out.
Not pretrial, a dollar trial.
Sorry.
And so it's just that better all around.
Yep. So check it out.
The link is down below.
I hope you'll love it as much as I do and I continue to use it and I'm trying
to have all my clients use it because the more your credit score is one of
the biggest pieces of this puzzle.
If you're looking to buy a house.
So thank you for joining us.
Thank you for explaining this platform for us.
It's fantastic system.
I use it personally and I would implore you guys to use it as well.
So thank you so much for joining us and I hope you come
back and watch all my videos.