CREDIT IMPACT

CREDIT IMPACT

R: "I do not want this to effect my credit."

A: "Clients name", Credit is complex and can impact individuals in varying ways. 

Although your FICO score may take a hit during our program, once you are debt-free, your improved debt-to-income ratio will make you a more attractive candidate for lending. "Clients name", I understand that it can be nerve-wracking, but I can assure you that striving to become debt-free is a wise decision. Can you tell me how long you have had some of these cards?

NOTE: When you ask the pivot question majority of people will say "a long time" and here is where you can let them know how greedy the cc companies are and how most likely they have already paid back what was lent to them.

A: "Clients name", I understand that having good credit is important. However, it's not worth constantly struggling and feeling frustrated. Here's how it works: While settling the accounts, your credit score may initially decrease, but it will gradually improve as the process continues. Once you have completed the program and become debt-free, you may consider shifting your focus towards improving your credit score if you choose to do so. What's your credit score now?

A: "Clients name", improving your credit score is easier than eliminating debt and leads to long-term financial stability, despite any temporary discomfort. Would you say becoming debt free is still your top priority?

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