$99 Credit Repair &
Debt-To-Income Improvement Course

Step 1: Registration and Credit Report Petition
Register:
   • www.CreditRepairKy.com for the Credit Repair & Debt-To-Income Improvement Course.
Obtain:
   • Current copies of your credit report from Equifax, Experian, and TransUnion, prior to attending the course.


Step 2: Credit Repair & Debt-to-Income Improvement Course
Duration:
   • 2 Hour In-person Course
Instruction:
1. Introduction to Credit Building and Debt-To-Income
   • The importance of managing your credit & Debt-To-Income for a healthy financial well-being.
2. Understanding Debt-To-Income (DTI)
   • Define what Debt-To-Income ratio is and its importance.
   • How to calculate DTI.
   • Clients calculate their own DTI.
3. How to Read a Credit Report & Understanding Credit Score
   • 3 different reporting agencies: Equifax, Experian, and TransUnion.
   • What is a tradeline?
   • What is a credit score?
   • How is my credit score calculated?
   • The importance of maintaining a good credit score.
   • Clients review their own credit reports.
4. How to Write Deletion Request Letters


Step 3: Submission of Deletion Request Letters
Action & Homework:
   • Write and submit letters to credit reporting agencies requesting the deletion of any inaccuracies or issues
     on their credit reports, to rectify any errors and improve their credit scores.

Step 4: Follow-Up Meeting with Program Representative
• Timing: After 45 Days
• Action:
   • Meet with a program representative to review the progress on credit and debt-to-income improvements
     to assess the effectiveness of the program and identify any additional steps needed for further improvement.

Step 5: Additional Assistance (if needed)
• Action:
   • Client pays $45 for additional assistance with improving their credit score and debt-to-income ratio,
     to ensure that they are on the right track towards financial stability and eligibility for homeownership.

Step 6: Bank Referral for Pre-Approval (Homebuyers)
• Action:
   • Client is referred back to their referring bank or provided assistance with identifying a bank for pre-approval
     for a home mortgage, to take the next step towards homeownership by securing a mortgage pre-approval.

Step 7: Pre-Approved for Mortgage and Referral to Program Realtor
• Action:
   • Realtor helps determine if the client qualifies for additional down payment assistance, to ensure additional 
     assistance funding is not overlooked.
   • Realtor helps find a suitable home that meets the client’s needs and budget.
   • Realtor assists with closing home purchase paperwork.