Tracy Ballard's Success Credit -
Credit Restoration Service

Tracy Ballard is recognized as one the top consumer credit strategists in her field. Her work has led to the rehabilitation of many credit profiles for consumers from all walks of life. Tracy travels extensively, speaking at seminars about her signature credit restoration strategies at prestigious organizations around the country.

Credit is a Tool

• Good credit helps a consumer to navigate the market with wise, cost-effective purchases
• Good credit positions you for easy financing, preferred service and lower interest rates

Where Negative Credit Begins

• Debt to income ratio
• Late pay
• Collections (especially medical)
• Public records (i.e. bankruptcy, tax lien, judgment)
• Repossession/foreclosure
• Excessive inquiries

Each agency (3 of them - TransUnion/Equifax/Experian) has its own unique score and slightly different criterion used to arrive at this score. Creditors subscribe to the agencies based on their specific credit approval requirements.

Little known fact: Creditors pay for credit bureaus to report derogatory information. This is why they are so reluctant to remove negative credit from your profile.

Once you have some of these derogatory items, you find you have little or no financial flexibility.

And most consumers dont have the tools or know-how to dig themselves out.

What folks in this position need is to be repositioned to build financial freedom.

And many folks in this position have turned to Tracy for just that.

The Formula

The Proven Process to Unlock Your Financial Potential

• Obtain/review credit profile (Experian, Trans Union, Equifax)
• Identify negative credit
• Devise a strategic plan for removing negative items and improve F.I.C.O. score
• Draft a custom quote (presented to you or your client) for cost of service
• Assign an accurate, reasonable time frame for contract completion
• Institute efficient processing and necessary communication for profile improvement
• Monitor development in profile as it is processed, communicate updates to client
• Upon contract completion provide constructive consultation and advice for continued financial freedom

For years Tracy has used this virtually infallible formula with clients, often referred to us by mortgage and real estate brokers, investors or former clients.

It is really a formula for Success.

Ive got the formula for unlocking your financial potential. And the proof is in the huge client base I have developed through word of mouth and excellent results. My business promotes itself. Everyone wants good credit. Mortgage officers want to close more A-Paper loans. Investors want to increase profit margin on real estate endeavors. Tracy continues to be a key player in getting these folks where they want to be.

And understandably, they can only trust the best with such a personal sort of business. 

Read an interview with a Private Investor that's
successfully used credit repair to dramatically improve his business.

How has credit repair changed the way you do business?

Nick: It's changed it in ways I never could have expected. We deal a lot with pre-foreclosures and the credit repair is such a valuable tool when negotiating for equity.

How specifically do you use credit repair when you're negotiating?

Nick: Well, I like to be careful, and not just throw it in the package early on because it does cost us money, so we need to make sure to recover that investment. One thing I focus on in the negotiations is to, along the way, really have a discussion on the importance of one's credit. So, for example, in the early parts of the conversation, I might ask, "how's your credit?" and when they answer that it's poor, or talk about the problems they've had, I keep a focus on those for a while.

So I might say, "That's tough, with that credit score, it's going to be difficult to buy a new house, and perhaps even rent an apartment." Just like those of you that have been to the seminar know, focus on the pain. Then, later on, when we've come to negotiating on the house and I believe the time is right, I might say, "You know how we were talking about the importance of credit before? Well, if you sell me your house for X dollars, then I'll have my credit repair specialists fix up your credit. This is an extremely valuable service, that sells for $10,000 or more and is not available to the general public..." With the proper buildup, it can be a deal clincher.

How do you market credit repair?

Nick: We're just starting to develop more of a focus on using credit repair in our marketing, because we've only been using it for about 9 months. We've tried things like putting "Call us by X date and if we buy your house we'll repair your credit for free". That worked well, but I'm hesitant to throw it out there too early because then you can lose the negotiating power. We'll be experimenting more with it in the next couple of months, talking about it more in our letters, etc.

How else does credit repair help your business?

Nick: If we're negotiating with someone who's talking to anyone else, it's easy to ask, "Are they offering you a credit repair?" It's just something most investors don't have in their toolbox, and can be the difference in closing the deal.

TESTIMONIALS

Tracy- Thanks for everything, you've been great! Don't know what I would have done without you.

-Richard Kline

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GRL Publishing,
10629 Floral Park Dr. Austin, TX 78759
Phone: 512-346-3467, Ext 2 - FAX: 512-372-9767
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Copyright Alex Gurevich