BUSN-225
Three-minute presentation
• In one sentence: I want the audience to realize that it is easy to pull their credit report and
review it for accuracy. I want them to walk away with tools that will help make the process of
disputing items on their credit report easier.
• Beginning
o We all want to drive a Maserati or a G-Wagon right? Well, in order to do that we have
to have a high credit score and credit history.
o Problem: The average college student is not aware of how important their credit history
is and may make poor financial decisions while in college that will hinder their credit in
the future. Most people think of the here and now. When dealing with credit history
we have to think long term (5-10 years) about the impact of financial decisions.
o Solutions: Actively monitor your credit report for inaccurate information and be more
proactive in handling financial obligations to ensure a more positive credit history.
o Credibility: I have had over ten years’ experience with dealing with my own credit
history as well as helping others dispute and clean up their credit reports.
• Body
o Point 1: Utilize freecreditreport.com to pull and review credit report. Verify information
in report and dispute erroneous information that is inaccurate.
o Point 2: Inform of two primary options to dispute and give tip that may work to their
advantage for opportunistic corrections (negative dings). Name a few secrets that most
people do not know about such as limiting dispute amounts per letter to increase odds
of correcting your credit report. Certified mail and 30-day response requirement for
snail mail instead of doing it online.
o Point 3: Don’t avoid collection calls. Mention that creditors work with the customers 9
times out of 10 in order to secure money for the company as opposed to getting nothing
if the debt is ignored and thus negatively impacts your credit report. This will lead in to