1. “How Realtors are leaving money on the table.”
   If you are not utilizing credit repair and just walk away from the buyers they will contact another realtor, and then they will eventually make it to us for credit repair, and if you are not the one that sends them then we cannot send them back to you.  If you have a credit repair guy not sending you your buyers back, then you need to connect with a credit repair girl with almost 20 years experience.  If the buyer cannot purchase or doesn’t purchase from you then you are leaving your commissions on the table 3% of $500,000 is $15,000 just by walking away!  
2. The most important 3 digits- What they mean and how to have the best number.  A Credit Score are not just for your clients, they are also important to you as a person as well.

Example 1

Let’s say you are renting and paying $1750 a month in rent. That property is costing you approximately $750 more a month than you would be paying in principle, interest and taxes for a similar home. This could equate to approximately $9,000 a year or an additional $270,000 if you were to rent vs buy over a 30-year period – and you have no asset at the end of the rental period

Example 2

Or let’s go smaller numbers you are paying $1300 a month in rent for a 2 bedroom 1.5 bath condo and that includes a $240 HOA= outside maintenance and water, you could buy the same place for approximately $825.00 a month on a 15 year mortgage including $240 HOA fees – and you own the condo at year 16.

Cost of not buying due to bad credit is approximately $475 a month, $5,700 a year and nealy $86,000 more over 15 years. You could have something paid off and saved $86,00 or you could have paid rent for 15 years and have no equity or anything to show for it! Bad Credit costs you!

Example 3

You want to have a nice car to meet your client in or to drive them around. So you find a new car and for 2021 the average new car price was $45,000 lets do the numbers

$45,000 @ 0.0% interest for 60 months is approximately $751 a month total cost to purchase $45,000

$45,000 @ 3.5% interest for 60 months is approximately $819 a month total cost to purchase $49,120

$45,000 @ 7.5 % interest for 60 months is approximately $902 a month total cost to purchase $54,100

$45,000 @ 14% interest for 60 months is approximately $1.050 a month total cost to purchase $62,800

$45,000 @ 24.9% interest (legal limit in KY) for 60 months is approximately $1.320 a month total cost to purchase $79,100

With bad credit you could spend between $14,000 and $34,000 additional interest over 5 years – nearly $500 a month! Wow fixing your credit is huge! What could you do with the extra $500.00 a month just by having good credit!

Example 4

Car insurance in Kentucky is largely based off of what your credit score is. So you go to insure your new car and you pay