1. ALL CREDIT REPAIR
COMPANIES ARE ALIKE
Not when you have a former member of
Experian’s legal department running the show!

2. Here’s the difference:
EXPERIENCE: CRE Credit Services is co-owned and operated by James Charlet,
a former member of Experian’s prestigious Consumers Affairs Special Services
Department (CASS). It’s that experience and insight the translates into the excellent
results everyone has been looking for.
A GUARANTEE: We’re so confident about our ability to get excellent results and
have a high level of client satisfaction that we offer a MONEY BACK GUARANTEE.
EDUCATION: We know there’s more than just a score involved in getting a loan
done. As a standard part of our program we educate the client on how to manage
their finances so DOWN PAYMENT AND CLOSING COSTS DON’T BECOME AN ISSUE.
GREAT SERVICE: Because of our commitment to our referral sources, our credit
analysts are REQUIRED to not only be in contact with the client regularly thoroughout
the process, but also to be in contact with the referral source to make sure they know
where their client stands.
“Better Credit…Better Options”
Experience the difference. Refer a client today.

3. So now you can REALLY…
Sell More
Homes...
Close More
Loans…
Make More
Money!
How Much Commission do YOU make per closed loan?

4. We do the work…
You and Your client reap the benefits!
HOW DO WE DO IT?
Erase non-provable charge-offs & late pays
Remove unverifiable collections
Correct bankruptcy inaccuracies
Help Client Establish Positive Lines of Credit
Teach Client How to Create, Keep and live within a Budget

5. We Offer More than Just Deletions
At CRE, we believe there is more to improving someone’s financial
condition than just getting deletions off the credit report.
That’s why we educate our clients about money management,
budgeting and how to keep their credit scores high. We also
provide a no cost Client Financial Maintenance Program that helps
them to get to their down payment goals and DTI ratios as well.

6. Frequently Asked Questions
How Long Does it Take?
We typically start seeing results in as little as 30 days. For maximum results we plan on
90-180 days.
Why CRE?
In a word – RESULTS. We usually experience a 50+% deletion rate in 30-45 days. Over
the course of our entire program we average a 70+% deletion rate. This along with
client education and helping clients get the best positive trade line reporting translates
into maximum score improvement in the shortest period of time.
How Do You Do It?
Most credit repair companies simply send out disputes to the credit bureaus. Experience
and knowledge about the credit reporting and scoring industries has taught us that to
get the best results you have to be communicating with those reporting to the bureaus
in addition to the bureaus themselves. Having a COO whose background includes being
a member of Experian’s elite Consumer Affairs Unit gives us the inside knowledge of
how the credit reporting and scoring process really works, and how to utilize the laws
that govern the credit reporting and scoring process to help our clients get the best
results. Knowledge is power, and we have the knowledge.
What’s In It For Me?
The opportunity to turn turndowns into closed loans and sold homes. At CRE we place
utmost emphasis on getting referred clients back to whomever referred them after the
scores are improved. In addition to getting an additional loan done, going above and
beyond to help the client achieve their goals typically leads to additional referrals as
well. In the end, it means more income for you!

7. How Much Does it Cost?
The client’s investment is determined by how many items on their credit report need to
be addressed. There is a two part investment by the client – an $89 monthly processing
charge (not to exceed 6 months) and a retainer that is based on the number of derogatory
items on the tri-merge credit report. The client has the opportunity to negate some or
all of their monthly processing charges by referring others to us, and CRE provides the
client with a no cost Financial Maintenance Program with benefits and cost savings of
up to $1,400. We believe the client’s Return on their Investment will be nothing short of
fantastic.
Who is a Good Referral – and Who is Not?
CRE does not sign up just anyone. The client has to meet certain criteria and commit
to doing their part to make this work. They have to be able to stay current on all their
current bills, forward results received promptly and manage their existing revolving
credit balances (or take steps to get new positive lines of credit if they don’t have any)
in order to get maximum results. We only want clients who get great results, and that
means they have to commit to doing what is necessary to get those results.
What Do I Have to Do?
Taking a proactive role in the referral process is critical to our mutual success. If the
client does not get into the program, everyone loses. To that end, rather than just pass
our information to the client and hope they make the call, you have the opportunity
to direct them down the right path. Tell the client that credit score improvement is
not only doable, but is very common in today’s financial climate and in many cases is
just another step in the loan approval process. Then get their permission to forward
their credit report and contact information so we can call them to begin our dialog with
them. We will take it from there and get them signed up. Once they are a client, we keep
you updated and in touch with them as they go through the program. This helps insure
that as soon as their credit scores are where they need to be, you will be the one to get
the loan done or the home sold. YOU will be the one that has provided the value added
service, and YOU along with the client will be the one to benefit from the credit score
improvement they enjoy.

8. For more information, visit our web site
www.crecreditservices.com
HOW MANY MORE LOANS WOULD YOU
LIKE TO CLOSE THIS MONTH?