Loan transfer call.

Hi, this is Sonia.

Press specialist with the credit
process. I don't say.
Thank you, Tony.
It's Korean for me.
I'm one. I have Byron on the line
phone number four seven nine seven
three seven seven nine eight.
Let me know when the file comes up
for you.
All right, Kim.
Give me one quick second.
Okay.
All right.
He offers here pretty low score.
Okay.
All right. So it's not.
It's not coming yet.
There you go.
I can take it over for you.
Okay. Great. Thank you.
Here he is. Thank you.
Hey, Byron. How you doing today?
Hey, how you doing, boss?
I don't want to thank you for asking.
Mr. Ryder, my name is Tony.
I'm a certified credit repair
specialist with the curve pros.
And, um, Mr.
Byron, you were transferred over
to us to improve your credit
because your credit score was not
high enough to qualify for a long
with a reasonable interest rate.
So let me ask you, Mr.
Byron, what is your credit score
at this moment? Do you know?
At the moment, I believe
five ninety one five ninety one.
Okay.
And what is Mr.
Byron, what is affecting your
first course?
Is it a payments, medical bills,
collections?
It's probably a little bit of both.
A little bit of both.
I probably got one medical bill
collections, an apartment.
It's not an eviction, but it's just
an apartment in my collections.
I have two vehicles.
And then a credit card that's
charged off.
OK.
Now, so there's quite some
bad history right there on the
credit board.
Now, what is the credit score that
you would like to have?
At least be in the six hundred
six fifty.
OK.
OK.
So you want to be, honestly, you
want to reach out for six eighty
and above. Right.
Right.
That was going to give you open
up a lot of doors is going to help
you as well make the life a lot
easier in case of emergencies,
especially if you don't have no
negative items.
So, Mr. Byron, we are an eight
plus rated credit restoration
company by the VVV.
And we've been in business for
a very decade.
So we will definitely help you.
Now, right now, your main
concern, why do you need the
money for?
Well, right now, it's just all
the, all my bills hit out like
once, wasn't prepared for it.
I might be homeless in a few weeks
stuff like that.
You mentioned you're going to be
homeless?
Yeah, I'm like.
OK.
So another priority for you is
finding a place to live.
Yeah.
I don't know.
I mean, then for my credit, I'm
not going to ask.
It's hard for me to get approved.
And then I try to get a car.
And you guys deny for that.
All right.
So we're going to, basically, we
have about four things that we
can help you with.
I just, you know, be able to
improve your credits.
We can help you find that long.
We can help you get into a place
to live on as well.
So we got, we're here to help you.
You know, we're here to make life
easier for you.
All right.
How much money do you need?
Well, I got the moment.
Around 5,000 to 6,000.
At the moment.
To put me exactly where I need to
be caught up with my bill.
Get, get, um, what I've done.
Apartment off of my collection.
So I could plaster this apartment
and then get into the apartment.
And then transportation.
So I could go to work.
I haven't gone to work in the past
with three, four days trying to
figure out the situation.
My mom and I are myself employed.
And then I also get a military
check every month.
But it's been hard to save and go
out of that when you go and place
the place and stuff like that.
All right.
Why do I understand?
And, you know, it does get to
point ways hard and I'm sorry they
gone through this situation,
but we're going to be able to make
it better for you, right?
Yes, sir.
The first thing we're going to go
ahead and do based on what
I understand is to buy and, you know,
the only thing that is holding
your back from achieving those
goals is your credit right now.
So what I would do next is
attempt a sub-war of your trans
union credit summary.
Just to get an updated look at
what is being reported and come
out with a game plan and what
we'll do to improve your credit
situation together.
Okay.
Okay.
Now this is just going to be a
correct report.
It will not affect your credit score.
And we use special technology to
protect your information just to
your bank.
So you have to confirm this.
Byron, get railroad.
Do you have a middle
initiative?
Oh, D as in David.
D as in David.
Okay.
Currently, what is your home address?
Where I have listed it.
167 will watch.
W. A. T. A. G. U. A.
Avenue apartment.
201 Orlando Florida.
3, 2, 8, 1, 2.
I say it was W. A.
W. A. T. A. G. U. A.
Okay.
All right.
Now, it's your current email.
Can you just let me know by your
current email, which is.
I have it here, but.
Yeah, I have two emails on.
It's my last name, Guerrero.
71913 at gmail.com.
And then my business email is our D.
O. N. D.
G. U. A.
G. U. A.
G. U. A. G. N. O.
D. A. D. A. K. U.
T. G. N. O.
All right. Thank you.
That's the one we have.
Okay.
And data birch are.
1026.
1997.
All right.
Now, in order for me to get a copy of
the text.
I'm going to press or making this email with your email.
Social please.
593.
71934.
Thank you. Now, you're going to receive a text message or a mask.
You can secure questions.
It all depends on the system. All right.
Okay.
All right.
So it's loading up right now.
And you mentioned right now you're a barber, right?
Yes, sir.
All right.
It's good.
All right.
So I'm just waiting for it to be finishing it up.
How's the weather on the land those.
There's hot right now.
It's too hot.
Trust me.
We're in West Palm Beach.
So.
Same.
Yeah, it's probably worth down there.
Yeah.
Well, I'm down the beach tomorrow though.
I'm up tomorrow.
So I'm just going to head down there with the family.
Yeah, that's good.
That's good.
Yeah.
Yeah, my family came down from Arizona for my birthday.
My next week is my birthday.
So we're going to go and spend the day over there.
So.
Okay.
Happy on my early birthday.
All right. Thank you.
All right.
So, you know, I have, I'm going to ask you a couple of questions.
Just to get your credit scores before security reasons.
Please ask me to ask those questions. Okay.
So if you don't apply to you, just let me know.
None of your bubble, right?
Okay.
So have you opened a student loan in or around November, 2021?
Do you have any student loans?
I have a student loan.
Hey, 20.
Okay.
So I was as a student loan in or around November, 2021,
where you pay them for Regents Bank for a security bank or add financial services L
or city bank.
Oh, at financial.
All right.
Now, which is the last four of your phone number is 7798.
None of those.
Right.
Is one of these one of your current or previous employers,
seller enterprises, second income,
rolling factory outlet or Dell computer.
Oh, none of your bubble.
All right.
Now, please.
7798 is your current phone number, right? 973.
Yes.
Thank you.
Now.
Which one of this was the previous phone number that you had before was a 561,
214, 4213, 561, 206, 5285, 561, 226, 6784 or 561,
202, 0444.
Yeah, none of that.
No worries.
So let's go ahead and proceed.
I'm just waiting for the system to lower up.
All right.
Okay.
Okay.
So have you ever opened a mortgage and run August 2020?
Mortgage.
No.
No.
Okay.
Have you.
So that doesn't apply to you.
Which city did you previously reciting?
Was it card, a draft for time, rich or homestead?
Okay.
Now, what is the county for the address you provided?
Orange County.
Thank you.
And you have rip prison on the following streets.
What's it with Smithfield, Devon, Mohana, Mohana, Guinea or medicine?
Mahogany sounds familiar.
Yeah.
All right.
So let me go ahead and.
All right.
So I'm going to be honest with you.
I'm sorry.
I couldn't get you a cresco is because the server is down right now for some
reason.
So we cannot you cannot tell me a little bit about what your cresco stands.
You told me a little bit about what's going on with it.
So I'm going to go ahead and explain the service.
Right.
Okay.
I wish I had it though, because we can give you an more exact everything, but
pretty much,
you know, what's going on.
So thank you for that.
And let's go ahead.
So the goal of the career process is pregnant and improve your cresco.
So you can achieve your goals, right?
Sure.
So the first thing we're going to go ahead and do is since you already know that
you have some negative items of a cresco.
We're going to go ahead and put on this.
And they made it disputes to those negative items.
We're also going to go ahead and challenge the three query bureaus.
So that we can help you out with that.
Okay.
Okay.
Also, you're going to have a lifetime guarantee.
If anything were to come back.
We're going to go ahead and fight it.
Even if you still are now with us anymore.
Okay.
Yes, we guarantee everything we do.
We also have a 90 day money back guarantee.
If you feel like we have not done.
We haven't removed any negative items from your credit for the same.
So right now, we're also going to go ahead and your cresco is a low stage where
we're going to give you.
We're going to give you a.
To establish a better payment history.
We're going to go.
You're going to receive a line of credit that could be up to $5,000.
Okay.
That allows you to make purchases from the national credit direct back.
Okay.
So this is a website like Amazon.
It's not a credit card.
Meaning you can use it to buy gas or fast food.
You can only use them.
The line of credit that particular website.
Okay.
So they have the electronics.
They have smartphones.
They have smart TVs.
They have also appliances available.
And it will be reported and experienced every morning.
And then there's any proof you pay me history.
Right.
The best thing about this line of credit, there's no interest rates.
So let's say you buy something for $100.
You can make small payments and you're only going to make you're only going to pay
the $100.
Okay.
All right.
So.
Another thing we're going to go ahead and do.
And because of the cresco are based on 35% payment history.
The payments for us also will be reported to the three.
Cresco as if you were paying a lot of them.
Okay.
Now.
You will notice in money from us.
And if you cancel the puzzle report on will stop.
This is going to look like if you were paying alone on time.
Does that make sense?
Right.
And it will reflect the payment history and attract other lenders when they see the
puzzle reporting in your credit board.
Right.
I know it's a lot of information by room, but we're almost done here.
All right.
Okay.
Client.
We're going to go ahead and create the client portal is going to be an app on your
phone.
That's where you're going to be able to see everything we're doing because we want
you to know exactly on a daily basis.
Every minute what we do.
Okay.
So we'll be activating your unique client portal.
That's where you're going to see the improvement of your cresco 24 seven.
The negative items will be in your credit card.
We'll be activating your unique client portal.
That's where you're going to see the improvement of your cresco 24 seven.
The negative items were working on the different financial tools available.
Everything.
All right.
Okay.
And of course you will have access to your information at any time.
Make sense.
Right.
Now, because.
You are looking for a loan and I know, you know, you're probably stressed out about
not, and not qualifying or anything like that for a loan right now.
You will have access to our long wizard tool.
This too actually helps you find our body loan companies.
There are more likely to work with you based on your credit standing.
Okay.
Okay.
Now, we all.
We always recommend our customers to use this once their cresco is a little bit
stronger and healthier, but that's why you're going to have the credit analyst that
will give you financial advice so you can ask them when you can use it. Okay.
Okay.
But I remember the sooner you start to improve your credit, the better option and
interest that you may have when you abandon your future does that make sense.
I do understand you and I work to get a loan from what you've been telling me
because of you, you know, everything that's going on with you.
And you also mentioned that you were moving right.
Right.
So remember that landlords are looking for a cresco around 640 with non negative
items.
But the benefit of the rent to own program is that you can get into a place to live
with and work.
And your credit for the same time. Okay.
Okay.
So we're going to give you access to a little recommendation so you can prove that
you are working with a credit score.
Working on your credit score with a professional credit repair company and that you
are serious about taking action and premium credit for that.
Does that make sense to you?
All right.
So I'm glad any questions so far about anything.
For the rental on how would I would obviously wait a little bit right or I could
start.
You can start that. You can start already. You can print that out that little
recommendation right away. So that's what we create the portal. You can start doing
that.
Okay.
And Byron, you're not going to be alone through this process. You know, once you're
with us, you're going to have an analyst that's going to be there guiding you on
any type of financial questions that you might have.
Or if you have questions about any particular tool, you can ask them.
And you saw done through the client portal. So it's really simple.
Okay.
Okay.
All right. So to be on the same page, Byron, our services are 149 month to month.
There is no contracts here. No obligation. Once you feel satisfied with your credit
score, you can share cancel.
And remember, you will have access to the benefits I mentioned before, especially
the long wizard tool, the lower recommendations. So we'll be working on those
negative items that should not affect your credit.
And at the same time, we'll be creating a good payment history with the line of
credit and all the financial tools that you have available. Okay.
So Byron, do you usually use a visa or a mask or.
Or you should be using a visa.
Okay.
So let's go get you a fully set up. I just need the current and expiration date.
That way you can start you.
Well, they charge now because there's nothing in there.
There's nothing at all in there.
Nope.
Okay.
No worries.
That's not words. You know what we're going to do is just some, let's get that.
Unsufficient funds message so we can put on the system as well.
And go from there.
Okay.
Yes, sir.
All right. So whenever you're ready.
Would you ask for a gift?
I just need the current number and expiration date so we can get the insufficient
funds message.
That way we can leave it here as well.
It's 400.
Two, two, two, seven.
Two nine nine five.
Okay. Give me one second. It was.
It's 4000 right.
Yeah, 4000.
Two, two, three, two.
Yeah, three, two, and then number seven.
Okay.
Go ahead.
Two nine nine five.
Eight three seven three.
All right.
Expiration date.
Zero one, two, seven.
And the city be.
75.
A seven five.
So we're going to get that insufficient funds and it's going to give me another
option. All right.
Okay.
All right.
And I'm going to go ahead and just read you some credit card disclosures.
Don't want one thing you never have to worry about.
It's overdrafting any type of accounts. Okay.
Remember we're here to help you improve your credit and make it worse for you.
Good.
So eight seven five.
Right.
So once the payments are set to your month to month,
you're not going to start till July.
Fourth.
Just need to go over the credit card disclosure.
We need your authorization in order to process the initial payment one for you to
be charged today.
It's going to be safe that the call result and decline will be safe to read them
for a moment.
We will never overdraft your account as the funds are not available. Okay.
Okay.
All right.
So Byron.
All right.
So Byron, I'm going to get a sufficient funds and we're going to proceed from
there. Okay.
Okay.
All right.
All right.
So it's loading up right now.
And my end.
Okay. So I got a sufficient funds.
Message.
So let me go ahead and.
Do that.
Now right now, Byron, you mentioned I already had the insufficient funds.
You mentioned there is nothing around our car.
Because we might be able to get you started. Maybe my next.
An ex option that I have.
$78.
Okay. So I'm going to do this for you.
Okay.
So I'm just going to go ahead and do.
I'm just going to go ahead and get one more insufficient funds right now.
Then I'm going to give you a check of what we're going to do. Okay.
Okay.
All right.
So right now I'm just going to try my next option for 1495. Okay.
Okay.
Then it's going to give me the next one.
All right.
So the last option after this insufficient funds is going to be a $1.
We're going to save all your information for $1.
And we're going to give you a couple of weeks to come up with the first payment.
So you can start everything up or if you can.
Get the first payment as soon as possible, we can get you set up.
But at least without dollar, you have everything set up already.
You're going to have the client portal set up and everything else.
Okay.
All right.
So I'm going to do that $1 now. Okay.
Okay.
All right.
So I'm going to do that right now.
Now.
You're going to receive a email and we're going to set you up with the client
portal. Okay.
Okay.
All right. So it's loading up right now.
All right. So you should have received that email. Okay.
Check your email right now.
You should say welcome to the credit pros.
Okay.
One second.
Okay.
So you can look on both.
Oh, it's in text message to.
Yes, it could be a text message as well.
Just say welcome to the credit pros.
Okay. I got it here.
I just got it.
Now right now is not going to give you access too much.
So you just going to go ahead and set everything up for you today.
So once you're ready and make the full payment, you're going to be able to access
everything. Okay.
Okay.
All right.
So yes, let me know once you set up a passport, once you set up everything. All
right.
Okay.
All right.
The password.
Yes, make sure is a character as long as well as put a character in there and a
capital letter.
And last, let me know once you click on the next step. Okay.
It's having me like to sign the contract, but.
I usually just click on a green and next step.
I won't let out. I'll see.
Okay.
Okay.
You know, what's good.
You're really young and I'm as surprising to see young people actually caring about
their credit.
Yeah, yeah, I wish I was smarter with it before I wouldn't be in this position.
But you know the best thing about this service is that you're always going to have
a analyst there to guide you on what to do if you ever have any type of questions
on what to invest.
Or if I should do this or is this going to affect my credit score or is this going
to do this or is going to be there.
That's the best thing. You're not alone.
So what's that for you right now?
I'm asking me questions now credit report.
I'll talk to you about authentication.
Okay.
So, yes, go ahead and verify everything.
And just let me know what's the view and.
Okay.
So loading up right now.
On the dashboard.
It shows me.
The three different kind of your.
Okay. So that is your dashboard that your home screen.
You're fully done.
So right now where I'm going to go ahead and do I'm just going to transfer you over
to our.
A spare fire just to make sure I enter all your information correctly. Okay.
It's about a minute and a half to minutes.
Doesn't take that long, but you need to listen to the whole message that way
everything is.
It's verify. All right.
Yes.
And if you have any questions, you have our phone number there as well. You can
give us a call back to anything.
Once you set up everything, everything is going to be fully functional. Right.
Okay.
All right. Well, thank you, sir. I hope you have a wonderful rest of the day and
you made the right choice.
You know, this is going to improve your life and your future as well.
Yes, sir. Thank you so much. So.
Will they charge me every month or how.
Yes, it's going to be a money.
But you decide when you are satisfied with your credit scores. There's no contract
to remember that.
Okay.
Once you reach your goal and you see that number that you're looking for, go ahead
and give us a call back.
Okay. Yes, sir. All right.
Thank you, sir. And you're there today. I'm pretty sure you're going to be really
happy, though.
And once you start seeing all every every service they're going to have available
for.
Okay.
Let me transfer you right now and your service. Bye. Bye.
All right.
Thank you.
Thanks for enrolling in the credit pros. Improving your credit is one of the best
decisions you can make.
Congratulations. Hi, I'm Ace, your automated credit advisor, and I'd like to
quickly review your information so we can get started.
This will only take a minute or two. If any of the information verified on this
call is inaccurate, please press one at the end of the call and we'll connect you
to a client's center.
I'd like to connect you to a client success team member to correct it.
You enrolled in a TP prosperity monthly individual authorized partial $1 for $129
for $129 per month program.
You were charged $1 today and will be charged $129 on the 11th of June, 2024.
Each month you will be charged $129 on the four of the month.
The 26th of October, 1997 and your Social Security number is 593-719-341.
Your address is 1667 with Taga Avenue, Orlando, Florida.