OUTBOUND INTRODUCTION

Hello my name’s [ Agent Name ] I’m with Creditfix.com on a recorded line. I’m calling about your
recent interest in improving your credit online. Am I speaking with [ Prospect Name ]?

I’m calling because it looked like you were interested in working on your credit but you had a few
things holding you back, was that correct?

What are your credit goals right now, were you looking to get into a home, purchase a vehicle, or
take out a loan?

Why are you calling?

Either you or someone in the household made an inquiry online regarding credit repair. Could it
have been you?

INBOUND INTRODUCTION

Thank you for calling CreditFix on a recorded line this is [ Agent Name ] speaking. How can I
assist you today?

[ The transfer agent will Introduce the Prospect ]

I can take it from here, thank you!

Hello [ Prospect Name ], as I said my name is [ Agent Name ] I’m a Credit Consultant here.
Can you confirm the phone number we’re speaking on in case I need to give you a call back?

Ok and it looks like you were referred to us because you were looking for a:

Rent to own a home

Personal loan

Returning a call

We don't have a transfer system so I can’t reconnect you to another agent but I do have your
information and I’m qualified to help you out today OK?

Rent to Own Homes:

That’s exciting! Will this be your first time owning your own home?

Ok and what has you looking for a home now?

BACK TO SCRIPT -->

Personal Loan:

Is this your first time taking out a loan?

Have you applied at many places or was that your first?

BACK TO SCRIPT -->

Alright well Creditfix is a trusted leader in credit repair. We specialize in removing harmful,
inaccurate negative items from your credit reports which can result in loan approvals and even
lower rates. Our customers have seen an average of a 40 point improvement over the lifetime of
their enrollment and everything we do is based on consumer protection laws.

So we specialize in cleaning up your credit report to put you in the best position so you can go
out and have the freedom and ability to accomplish your goals, does that make sense?

What state do you live in?

If State is Marketable:

Ok it we are licensed to help you in that state.

Prospect MUST be in one of the following Marketable States to participate:

AK, AL, AR, AZ, CA, CT, CO, FL, HI, IL, IN, KY, MA, ME, MI, MO, MT, NC, ND, NH, NJ, NM, NY, OK,
PA, RI, SD, TX, VT, WA, WY, WI

If Prospect is NOT in a Marketable State:

I’m sorry but unfortunately you are in a state that we are not able to do business in at this time
so I cannot help you today. If it’s OK I would like to set-up a callback for 1 month from now, we
may become licensed in your state within that time frame, would that be OK?

Is it just your credit that we are working on or is there a spouse as well?

If Spouse Sale

Finish Sales Process.

When pulling reports pull both prospects credit reports.

Process sales separately using different emails (1 sale at full price and 1 at discounted price).

When did you last check your credit score [ Prospect Name ] and do you recall what it was?

300-629: Bad credit

630-689: Fair credit

690-719: Good credit

720 and up: Excellent credit

What do you think is negatively impacting your credit right now for example do you have any
outstanding credit cards, charged off bank accounts, or delinquent accounts?

Optional - “Probing” Questions

Ok what about foreclosures, cellphone bills, late payments or bank charge offs?

If prospect has had a Bankruptcy

Read Bankruptcy Language

Do you recall seeing anything on your reports that you didn’t recognize?

If Prospect Answers Yes

Although the credit reporting agencies are required by law to remove inaccuracies you may not
even realize you have items on your report that are incorrect or in violation of the Fair Credit
Reporting Act.

In the event that legitimate credit errors are not removed after we have disputed them, with
your authorization we will provide all necessary documents to a reputable law firm who can
determine if you have a claim under the Fair Credit Reporting Act. If so, the law firm will
represent you at no cost and can recover a settlement to you of up to $2,500 for each item they
successfully challenge.

Do you currently use credit cards actively?

If Prospect does not use Credit Cards

But you do have a debit or bank card then correct?

Pitch Credit Report

CLICK THE SALES FORM TAB IN THE DIALER TO OPEN THE FORM

[ Prospect Name ], I would like to run a free credit report for you to better understand your
situation and see if you are a good fit for our program. It’s a soft inquiry so it will not affect your
credit and we’ll also be emailing you a copy for your own records would that be OK?

Ok I need to collect a few pieces of information, so let’s start off with your current Email
Address, could you spell it out for me please?

Can you spell out your full name for me?

Ok and what’s your Date of Birth?

What’s your Social Security Number?

Do you have an alternative phone number that we can place on file as well?

May I have your full address including the city, state, and zip code please?

Ok and to pull your report I just need to read you a brief disclosure so bear with me:
Required Disclosure

Ok, great! In order for CreditFix to review your credit report and determine your eligibility, we
need your authorization to obtain a copy of your personal report from a third party credit report
provider. Doing so is providing "written instructions" to obtain a copy of your personal credit
report in accordance with the Fair Credit Reporting Act. To confirm you authorize us to pull your
report please say “I Agree”.

Check off box after customer agrees

Thank you for that! Allow me just a moment here to pull up your credit report...

Click “Pull Credit Report For Free”

Allow me just a few moments to look this over...

[ You can discuss what you see on their summary and report. ]

Ok so I see enough listed here that I’m confident we can help you out and It looks like you have a
strong case.

Here’s how it works, we’ll fight for you to remove inaccuracies, excessive inquiries, duplicated or
incorrect information, and any errors bringing down your scores or making it difficult for you to
be approved.

You will be given access to an account online where you can track your progress 24 hours a day 7
days a week and you will be given a toll free number you can call anytime you have questions.

Most importantly [ Prospect Name ], we don’t stop at the credit agency level like some other
companies do. If the item is verified on your report, we have the option under Federal law to
demand validation directly with the creditors. We’re able to say prove it or remove it. We do
everything within our power to improve and optimize your reports.
Required Credit Repair Billing Disclosure

Now as far as cost goes, we need to get your full reports from multiple bureaus on file so we can
send out your first round of dispute letters. That’s done through a third party credit report
provider, it’s a one time non refundable fee of just $12.95 today. Then 5 days from today, when
the work is complete you will be billed just $119.95 by us, fair enough?

Ok great, there is no long term contract, you can pause or cancel at any time. You will be billed
the same flat rate each month on the same day for as long as you retain our services.

Which card would you like to use today, will it be a Visa or a MasterCard?

Alright, I just need the card number starting with either the 4 or 5..whenever you're ready

What is the expiration date on that card?

And what is the three digit security code on the back of the card?

How does your name appear on that card?

Do you have a middle initial on that card?

Ok and to be sure that work goes on uninterrupted, What alternate credit card would you like to
put on file?

Ok, just to confirm, you agree to purchase your multi bureau report for $12.95 from a third party
credit report provider. By agreeing you acknowledge you accept this purchase and understand
this fee is nonrefundable and separate from any fee charged by CreditFix for any credit repair
services. Do you authorize this purchase so we can start working on your account today and
authorize CreditFix to use the same billing information for any charges?

If Card Declines

Check billing address, card number, cvv and exp.

Ask for another card with at funds on it if possible.

If no other card continue and attempt to sell Credit Repair.

If prospect is Concerned about cost

Well the best part about it is it’s completely month to month so you can always stop or start
services easily. And we’ll be fighting for you to remove anything that could be pulling down your
credit right now. So the cost pays itself off, does that make sense?

If prospect is still not interested offer a postdated payment as a Last Ditch Effort --> Postdate
Pitch

Cost Monthly / Length of Program

So it is monthly but each person's situation is different and may require more or less work. I
would give it a shot for a month, see how we can help you and after a month you can get an idea
of how much more work you may need, fair enough?

REQUIRED - Read SMS Disclosure & Collect Agreement via SMS/Email

BEFORE PROCESSING $119.95 Credit Repair Sale!

Can you receive text messages on the phone we are speaking on?

Ok I would like to send you out a text message but first I have to read you another brief
disclosure:
CreditFix will be sending you a client agreement via SMS Text and email which states important
terms and conditions, including that you agree to transact business with Creditfix in an electronic
manner, disclosures that outline your right to cancel the Agreement any time, as well as your
rights under state and Federal law and your right to acquire a copy of your credit report directly
from the credit bureaus. State and federal disclosures will be sent in a second message and state
your right to cancel your contract with us at anytime.

If SMS is taking too long to receive:

Check that the phone number you entered and saved was correct.

Instruct the customer to up their text message box on their phone.

Have the customer reply back to the SMS with the word “Agree” a 2nd time just in case there
was a 2nd state agreement sent out.

Try sending an Email as an alternative.

CLICK “ SEND EMAIL” BUTTON

Send an Email as an alternative

Once you receive the email, click the link to complete the service agreement indicating your
acceptance of the terms and conditions, OK? Great, let me know when you are done.”

CLICK “SEND SMS” BUTTON

To accept these terms we just need you to reply with the word “Agree” to both text messages
you will be receiving. Let me know when you get them, OK?

Press “Refresh” to see if agreement was signed. “No” will turn into a “Yes”

Alright great, I’m seeing that the agreement was signed successfully!
PROCESS CREDIT REPAIR QUICKSTART - (ONLY IF AGREEMENT IS SIGNED)

Collect Disputed Items

Ok so let’s go through the items that I see listed on your report.

- Go through each item in the various sections of the report, verify the prospect recognizes the
account name and balance for each item. Even if the customer recognizes/acknowledges the
item ask them if they would like for you to be sure it’s being reported correctly at the bureau.

I see [ Item Name/Amount ] would you like to make sure that account is actually being reported
correctly at the bureau?

- Select and discuss which items the customer wants disputed then save the disputes.

Collect Photo ID

One last thing I need from you is a copy of your Photo ID. This will greatly improve the success
of your disputes as the bureaus want to know that you are the one requesting the changes.

Could you take a picture of your Photo ID with your smartphone for me so you can send it over
right now? It must be a Government State Issued ID like a driver's license.

To send it over just open up the text message or email you responded to for the agreement and
look for a text that says “The last step in opening your credit repair case”. That message should
have a link in it that will take you to a page where you can upload your ID...let me know when
you see it.
Click here to See Sample

Press “Refresh” to see if ID was successfully uploaded.

(If the upload was successful you’ll see the ID on your screen. The image must be clear, If it is not
please ask the customer to take and send another using the same process.)

Send by Email as Alternative

You can also respond to by email, you should have just received an email as well.

Alright [PROSPECT NAME], just to recap.

Your first dispute letters will be prepared for you and sent out within the next 5 days. After they
have been sent out, you will be waiting for the responses to be mailed to you directly from the
credit bureaus within the next 30 to 45 days.

Results will arrive in your mailbox in plain white envelopes, they sometimes look like junk mail so
keep an eye on your mailbox during this process.

When you receive your results we ask you send them back to us so we can record your success
or issue new disputes if needed. If you don’t receive responses within the next 45 days please
contact our service department, and If you have a pen I would like to give that number now.

Ok the Number for Our Service department is: 1 855-539-2178

You will also receive a welcome email that contains your online account information where you
can see your disputes and progress, as well as a summary of your credit reports.

You can always give us a call if you need to update your card on file or have any additional
questions about our process. I can’t wait for you to get that feeling of accomplishment when you
achieve your goal!

As we work on your case just know that each case is unique and that's why we cannot promise a
specific outcome. It takes time to restore and get your credit back where you want it. Some
clients need more time than others and you should continue to pay your bills on time while we
are restoring your credit so we don’t see any new negative items show up.

We will be working on your account immediately. Unless you have any questions for me you are
all set, I hope you have a great day!

The sections below are based on various situations and should only be read as needed

Postdate Pitch (You can post date payment of the $119.95 for up to 30 days)

Return to Pitch

I can go ahead and set up a postdated payment for anywhere up to 30 days from now so you
have plenty of time to make arrangements and prepare. How long do you think you would need
maybe 2 weeks?

SELECT A DATE USING THE DROPDOWN MENU IN THE CREDIT REPAIR ENROLLMENT TAB
Return To Top

Prospects with Bankruptcy

Is the bankruptcy in your past or are you in the process of filing for bankruptcy?

If In the past - Ok, great depending on how long ago we may help get that removed from your
report

In the process - Unfortunately, we can only help assist in repairing your credit when you have
completed your filing. Do you have an estimated completion date? We can schedule a call back
and pick things up then.

Preview of ID Collection Messages that Customers Receive

Return to ID Collection Section

Text Message Sample -

Email Sample -
Common Rebuttals

Can Creditfix remove accurate negative items?

Our company can’t remove any negative information that is accurate and actually belongs on
your credit report.

Where is Creditfix located?

6303 Blue Lagoon Dr STE 400 Miami, FL 33126