POWER STARTER:

We offer this course for our students that have not established any purchasing history.

We understand that having a strong payment history is extremely important when it comes to making better decisions concerning your purchasing power. Lenders use your payment history to determine whether to extend loans to you based on your payment history.

The payment history counts for 35 percent of the consumer’s purchasing power rating.

In this course, we require our students to obtain a bank card and our textbook. When the student has obtained their card, we show the student the most effective way to make their monthly payments to reach a purchasing power rating of 780 to 850 in a short amount of time. We also advise the student on the most effective way to reach a purchasing power rating of 780 to 850 when a consumer has no inaccurate derogatory marks on their consumer disclosure reports.

This course lasts for three to six months to make sure that the student is applying the methods our company has taught them.

When the student reaches a purchasing power rating of 780 to 850, the student will graduate from the course with a completion certificate from the program.

POWER RESTORE:

This course was designed for students that have challenged purchasing power due to inaccurate, negative information being reported on their consumer disclosure by their data furnishers.

We show our students how to order their consumer disclosure through a consumer monitoring service that shows a tri-merge consumer disclosure. The consumer monitoring service cost a $1.00 for a seven day trial and $34.99 a month. It is mandatory for all students to receive their tri-merge consumer disclosure. This step is extremely important. Without the consumer disclosure, we are not able to provide the course to the student. It is also extremely mandatory that all students follow our instructions. We will not be held liable and we are not responsible for the student’s outcome due to the fact that the student took it upon themselves to do what they wanted to do as opposed to following our instructions and guidelines for obtaining the best purchasing ability rating.

These consumer disclosures provide your purchasing power from all of the data furnishers.

We always ask our students to order their consumer disclosures because it does not count as a hard inquiry and won’t hurt their purchasing power.

We ask our students to please provide us with their user name, password, and last four of their social so we can pull up their consumer disclosure from the consumer monitoring service.

We also ask our students to please set aside a block of time that works best for them so we can go over the consumer disclosure with them.

While we go over the consumer disclosure with the student, we show them what is hurting their purchasing power. We teach them what laws to apply based on the FCRA created by the Federal government in order to remove the inaccurate, negative information from their consumer disclosure.

The FCRA states that the information being reported cannot be inaccurate, outdated, unverifiable, or misleading. It also states that the student has a right to challenge any and all information listed on their consumer disclosure that they feel is inaccurate.

We show our students how to locate all inaccurate accounts being reported on their consumer disclosure from their data furnishers and how to use the laws to get it removed from their consumer disclosure in order to increase their purchasing power.

In This course, we educate our students on how to restore their purchasing power.

This course can last up to eight months, however; it could be shorter, or longer but we have to be transparent with all of our students and set the right expectation for every student that we educate from the start.

It covers a one-on-one educational session informing the student on what they need to be educated on in order to strengthen their purchasing power.

If the student agrees to allow us to educate them on the full process of how to strengthen their purchasing power, we will provide the student a full analyst report showing all inaccurate, negative accounts that we need to educate the student on the procedures that they need to take in order to strengthen their purchasing ability using the laws put in place to protect consumers from all errors and inaccuracies listed on the file disclosure. If the consumer desires for Team Towers Services to perform the necessary procedures in order to strengthen the consumer’s purchasing ability we will then start to prepare the necessary correspondences to send to the consumer reporting agencies. We will also provide the consumer with the correspondences that were send out on their behalf. During this process, it is mandatory that the student sets up and maintains their consumer monitoring service. It is crucial that the student does not take it upon themselves to obtain their consumer disclosure from the reporting agencies themselves. It is not necessary because the student will already have all three consumer reports with them along with the numbers for their purchasing power. If the student should decide not to follow our strict guidelines, we will immediately terminate the educational course with the student.

We also allow the student to cancel up to three days for any reason for a full refund after the student signs up for the course.

We also offer our students a referral program.

The program is as follows:

While the student is enrolled in our course, if they refer a friend or a family member to us for our educational course and that friend or family member becomes a student with our company, we give our consumers $50 for referring their friend or family member when that person signs up. The consumer can either choose to receive a $50 gift card or $50 deduction on their next monthly bill.

If a student should face a hardship during the course of the educational course and cannot continue making their monthly payments, we ask that the student inform us and we will place their file on pause so long as their current on their prior month’s payment. We will pause their account for up to six months and when they are ready to return we will continue from where we left off. We ask for the student to inform us of the situation in writing with proof, and we will grant the lapse in the course.

POWER ENHANCER:

This course was created for our students that are not suffering with a low purchasing power rating due to the fact of inaccurate, negative accounts being reported on their consumer disclosure reports.

This course is for students that are carrying high balances on their bank cards. Utilization is 30 percent of your purchasing power which is 255 points.

The rule is: when you have low utilization or debt level, the higher your purchasing power rating will be.

In this course, the first thing we do is: Ask the student to order a tri-merge consumer disclosure.

Provide us with the user name, password, and last four of your social so we can pull up the consumer disclosure and go over it with the student.

We perform a complete debt analysis.

We determine what revolving accounts need to be paid down over the course of six months in order to bring the purchasing power back up.

During this time, we teach our students how to pay their bank cards to make sure the purchasing power goes up in the shortest amount of time possible.

It was designed to last up to six months in order to give the student time to bring the balances down on their bank cards.

The course fee can be paid in two installments or the student could pay the balance in full upon signing up for the course.

WE ARE A COMPANY THAT CARES ABOUT YOUR FUTURE:

CONSUMER EDUCATION COURSE:

This is a complete course that teaches students how to establish, maintain, and build their purchasing power raiting using the Fico Scoring 8 Model which is what lenders use to determine whether to extend purchasing power to a consumer.

This course will be instructed over a virtual zoom meeting from the comfort of your home on Thursdays from 6:00pm to 7:30pm.

In this course, you will learn the Following:

A) What is purchasing power and why it is so important?

B) You will learn the five sections of the Fico Score Chart which are as follows: Payment history 35 percent, utilization 30 percent, length of purchasing power 15 percent, purchasing power mix 10 percent, and new accounts 10 percent. Mastering the five sections in order to reach a purchasing power of 850 in a short amount of time.

C) You will learn how to use your bank cards in order to reach a purchasing power of 850 using the Fico 8 Model Pie Chart which is widely used by lenders.

D) You will learn how to order and read your consumer disclosure and what things to be mindful of that can hurt your purchasing power.

E) You will be given weekly quizzes in order to ensure that you are learning the information being taught.

F) You will have a final exam that must be passed with a passing score of 80. This exam will be on week 8.