STRONG TRANSFER CHECKLIST

1- DOES THE CUSTOMER HAVE NEGATIVE ITEMS ON THEIR CREDIT REPORT STRONG TRANSFER
2- DOES THE CUSTOMER HAVE A GOAL THAT GETTING THE ITEMS REMOVED WILL HELP HIM/ HER
REACH
3- DID YOU EXPLAIN HOW CREDIT REPAIR WILL HELP HIM/HER REACH THAT GOAL?
4- DID YOU MAKE THE CUSTOMER EXCITED ABOUT REACHING THAT GOAL?
5- DOES THE CUSTOMER WANT THE NEGATIVE ITEMS REMOVED?
6- DOES THE CUSTOMER HAVE A WAY TO PAY LEXINGTON LAW?
(CAN THEY AFFORD LEXINGTON LAW?) RESPECT LIMITED INCOME
7- DOES THE CUSTOMER HAVE TIME TO TALK TO LEXINGTON
LAW?
CREDIT DISCUSSION
What is your credit score?
I dont know- the last time you checked your credit score is it around 400, 500 or 600?
I haven't checked it ok thats fine I could have somebody to check your credit report with your
permission
What do you think is on there that is affecting your credit score
I have a good credit score Do you have unpaid medical bills, credit cards and unpaid cell phone
bills? How about some old utility bills ?are you always on time with your payment? How about some
credit inquiries, charge offs? Do you have payday loans, broken leases, repossessions? Have you
declared bankruptcy or foreclosure?
What do you think is on there thats been affecting your credit score?
CALL DISPOSITION
Answering Machine: No need to leave a message, disposition your call immediately
Call Back: NOT INTERESTED /HANG UP/BUSY /DONT HAVE TIME/DISCONNECTED WHILE TRANSFERRING
TO LL
Foreign Language: Advise customer that another representative will call them back
Do not call: Advise customer that we will be processing their request. End call.
Fake lead: Names such as Batman, superman, etc. Disposition your call immediately
Wrong Number: do your rebuttal and probe if cx insisted its a wrong number disposition your call as
wrong number
Ringing: Disposition your call immediately
Completed Call: Successful Transfer to Lexington Law/already with Lexington Law
Additional Information:
Skeptical Customer: Explain further how rent to own home

The first thing I want you to know is that renting to own is very easy. Usually, if you can afford
to pay rent, you can afford to rent to own. The main differences are that with Rent to Own, a
portion of that rent you pay every month goes toward your down payment. You will negotiate
that with the home owner.

The other difference is that at the end of your renting to own contract, you will still have to get
financed through a traditional lender, at which point, your credit will matter a lot. So, do you
see how fixing your credit and renting to own go hand in hand? (Pause wait for reply)

Now the good thing about renting to own is that the qualifications to get into the home are
much lower, so you can work to build up your credit score and your down payment now instead
of having to wait.

*Purchasing a home is probably the largest purchase you will ever make in your life. Your credit score
will determine not only if you qualify for a home mortgage but also how much you pay in interest

*CREDIT IS EVERYTHING, IT INVOLVES WITH YOUR EMPLOYMENT, YOUR HOUSING, CARS AND
EVERYTHING. IF YOU DO NOT HAVE A GOOD CREDIT SCORE, THEN THERES A LOT OF THINGS YOU
MISSED OUT ON. MANY OF THE CLIENTS THAT I HAVE SPOKEN INTO IN THE PAST FELT THAT BECAUSE
THEY HAVE BEEN DECLINED...ITS OVER. THE FEELING OF BEING TURNED DOWN, WALKING IN SOME
PLACE AND BEING TOLD NO.
* They are 1 of the credit repair company in the nation right now and since you are my client this will
be like a free consultation, we can have them take a look in your credit in order for us to complete the
process
*As ive said a while ago we do have a very low qualification on our rent to own program. First all we
have to do is remove those negative items on your credit report to have a good score so it would be
easier for you to be on rent to own program
*ok so lets work on this one now to achieve what we are aiming at, our goal is remove all those
negative items of your credit report, to have an outstanding credit score and to be qualified in our rent
to own program which i can assure that you will.
*the last process that Ill be needing to do is to have my colleagues check all those issue that we have
talked about a while ago And have to take a look on your credit score and those negative items
affecting it. So we can remove those negative items so we can pull your scores up.
*Even if you have paid off your debts and done everything a collections agency has asked of you, your
credit reports could still be labeling you in default.
*The higher your score, lowers monthly payment, lowers the interest rate
REBUTTALS
WRONG NUMBER
Your Phone Number was registered to one of our partners site for a rent to own home opportunity , Ok
since I have you on the line you could also take advantage of this Rent to Own Program that we have,
are you renting right now? Renting to own is very easy usually if you can pay your rent you could
afford rent to own, let me tell you how it works, Can I have also your first and last name please?
I DIDNT REGISTER
This is (Agent Name with 365 resources .Maybe you have visited one of our rent to own home
Website. Ill be more than happy to assist you with this one .Are you looking to stay around at (City ,
State) RTTPOI
NOT AVAILABLE
Ask: Are you related to (Name)???
a- If yes, Since I have you on the line let me just verify few things here. I believe you are looking to
Stay around at (city and State)
b- If No, Ok thats fine let me just provide you our call back number that is (Lexington law number) and
please have (Customer Name) to call us back once available
PUT ME ON YOUR DO NOT CALL LIST
Ok let me process your request right now. Thank you so much have a great day

NOT INTERESTED:
May I know the reason why you arent interested? Is this regarding with your credit score or down
payment? Please let me know so we know how we can help you. (Wait for an answer)

RTTPOI (Return to the point of interruption)

ARE YOU RENTING RIGHT NOWIF THEY ARE say Renting to Own is a lot like renting but a portion
Of the rent, this is a negotiable item, goes toward your down payment so you are not losing all of your
rent money every month. RRTPOI
I GOT INTO A RENT TO OWN HOME ALREADY
Thats great. You must be so excited to get into a new home. Now all you need to do is make sure that
by the end of your rent to own contract you are up to mortgage standards so you can get into
traditional financing at that time. Did you go into your RTO with a spouse or partner or on your own?
(Continue pitch from there.)RTTPOI
WE JUST GOT INTO A LEASE
How long is your lease? I totally understand that you needed to provide for you and your family. Why
dont we go ahead and go over the rent to own program so when your lease is done you will have a
better understanding of how rent to own works. RTTPOI
How long is your lease? I totally understand that you needed to provide for you and your family. Why
dont we go ahead and go over the rent to own program so when your lease is done you will have a
better understanding of how rent to own works and you will be all set to get into the rent to own
program instead of just losing all of your rent money every month? Then pitch the script.
WE DONT WANT RENT TO OWN,
We want to rent only- I understand that but you do realize that more and more people are renting
because mortgage standards have gotten so stiff so more and more landlords are raising their credit
requirements too. Do you know how your credit score is doing? Are you good or underwater like so
many people now? RTTPOI
I can understand you just wanting to rent but I want you to understand there is a shortage of rentals
right now unless you are lucky enough to be renting from a friend or relative there isnt a landlord in
the country that wont pull your credit report. How is yours doing? Are you good or under water like
many of us?
WE WANT TO PURCHASE NOT RTO
Lucky you! Have you been approved for a mortgage yet? You do realize that mortgage standard is now
around 740 for a credit score with 20% down unless youre lucky enough to get a VA loan. Are you up
to current mortgage standards?

CAN FIX CREDIT THEMSELVES

You very well may be able to do that but you do realize that you will have to be working with all three
credit bureaus and the fact is, they often dont listen to the little guy. All LL/ Credit Repair does is credit
repair. They dont do wills, divorces, or anything else. When they speak the credit bureaus listen. They
can get done in a few months what it might take you a year or better to do. How soon did you say you
want to move?
IF THEY HAVE BEEN WITH LL AND DONT LIKE IT
How long ago was that? You do realize that the laws have changed so we can get even better results
that before. Why dont I transfer you to an agent that I know and see if I can get you some help with
that?

How long ago did you use them? (If over 2 years) You do realize that some of the laws have changed in
the last few years because of the mortgage crisis and its now much easier to get those negative
things removed from your report?
If recently- well you know, agents are like doctors, they all get a degree but at least half are at the
bottom half or their class.
For all- Let me do this. Lexington Law/ Creditrepair.com doesnt want their customers unhappy. Let me
transfer you to someone I know over there. I will explain what happened to you before and we will see
what we can do to get that resolved and get you the results you need to get into that home. Okay?
HOW MUCH IS IT?
How much: they have several programs and it would be a matter of what you andthe person at
Lexington Law decide together as to what your needs are. I wouldnt want to give you ion.
The consultation is free so Ill transfer you over so that you can make an informed decision as to which
program is best for you. (Only give prices if they absolutely insist or if you, yourself think its possible
that no way they can afford it so youre not trying to waste Lexington Laws time.
CANT AFFORD IT
Can you really afford to pay the banks up to an extra 100.00 a month on your auto loan? If your loan is
a 60 month loan you could be saving around 6000.00 in interest alone. Wouldnt that be better in your
pocket than the banks?
THEY SAY THEY HAVE NO CREDIT
Probe- youve never had a student loan, cell phone, etc. Did you make all of your payments on time?
THEY SAY THEY ONLY HAVE A FEW NEGATIVE THINGS ON THEIR REPORT OR THEY PAID THEM ALL BACK:
Most people dont realize that for every 30 days that they are late on a payment they can lose as much
as 40 points on their credit score. If you were late just twice you could have lost as much as 80 points
and even if you paid those up or paid off a collection, it still show that it was late on your report.
Auto Rebuttals
If the extra effort on your calls makes you just one extra sale a day that would be at least ten extra per
pay period.Thats a lot of CASH!!
PURCHASED A VEHICLE
Great! What kind did you purchase? Let me ask you, were you able to get a low interest rate or did you
end up with something higher than you expected?
A-1 If low- glad to hear that. End call
A-2 If high interest rate- Was there something on your credit score that was affecting it? Often times
we can get those negative things removed and refinance in a couple of months. The great thing is that
when you refinance it doesnt cost you anything to do it, it lowers your interest and your payment (by
as much as 100.00 a month), and you get a 2 month period where you dont have to make a car
payment at all!
What kinds of things are on your score that we can get removed for you?
Continue with explaining that theyre highly repairable, asking about positive credit, and transferring.
B- If paid cash- was there an issue with getting a loan?
B-1 If yes go into credit repair

IVE DECIDED TO WAIT TO PURCHASE A VEHICLE

Were you waiting to get a better down payment or was there credit issues?
A-1 If better down payment- Sometimes we can get 0 down loans for our clients.
Lets see if I can help you. Go into credit discussion.
A-2 If credit issues- go into credit discussion
b-If theyre just waiting for a few months- lets see how we can help you now so that when you are
ready to purchase, youll be all set to go! (Then start discussion)
DID YOU GET A VEHICLE YET?
IF THEY DID- congratulate them and ask, WHAT KIND OF A CAR DID YOU GET? COMPLIMENT THE
VEHICLE AND LET THEM BRAG A LITTLE- and THEN ASK, how did you do for interest rate." IF
HIGH- EXPLAIN THAT THEY CAN OFTEN REFI TO A LOWER RATE IN A FEW MONTHS-and then PITCH
CREDIT REPAIR.
I do understand that but most of the time the big credit reporting agencies dont really listen to the
little guy. You have to work with all three of them and it tends to take a long time if they do listen. How
soon were you looking to purchase that vehicle? Often we get results in around 30-60 days so even if
you need that vehicle now; we could possibly refinance it in a couple of months to a lower rate and a
lower monthly payment

CX ASKED FOR A CALL BACK AFTER EXPLAINING

I can certainly try and call you back but you know, we have already went over the majority of the
information and really hate to have to start this whole process over again. You already seem like youre
going to be very busy inthe coming days as well. Lets go ahead and get you over to the credit analyst
so we can help you get into that RTO or car sooner rather than later!