Secrete Merchant #1 (D2S)

Program Features and Benefits

• FDIC Bank offers a unique Unsecured Revolving Credit Line to be used for purchases exclusively at Down2shop.com. Not Visa/MC/Discover
• Allows customers to start re-establishing credit “lightening fast” with credit reporting to ALL 3 Major Bureaus within just a few days after activation
• Better than a secured credit card
• Over 25,000 products to choose from (products added daily)
•  Generous Credit Limits from $1000-6500 (Can get $500 w/ No Score & No Derogs)
• Credit Line increases are available upon request after 6 months on account

D2S Merchant Credit Offers Base Guidelines

• Equifax FICO credit score of at least 500
• No Equifax FICO score OK with NO NEGATIVE ITEMS LISTED
• Debt-to-Income ratio below 80% (includes house pmt.)
•  If credit profile contains a FRAUD ALERT, customer phone # required to be on file with Equifax credit bureau for compliance or application will be declined
• Bankruptcies must be discharged at the time of application
• Other conditions may apply; not a firm offer of credit

What It Cost:

• $125 non-refundable processing fee (only if approved). Risk Free! If declined for any reason, the transaction authorization is voided immediately.
• $100 annual fee ($25/month for the first 4 months at NO INTEREST and assessed annually at anniversary date until closed)
• Make purchase to activate right after approval (Note: Customer will always pay for own shipping out of pocket. Shopping cart defaults for customer to put 50% as a down payment on their purchases, but can be adjusted with the “adjust finance” button.)
• No hidden fees. No length of contract. Auto-renews annually or cancel at any time by contacting bank and paying off any balance owed.

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Secrete Merchant #2 (MJC)

How we keep your customers safe:

• Our financial partner has been in business for over 48 years and have an impeccable reputation!
• There are no monthly fees.
• We use KBA’s (identity verification questions) and actual contracts with our customers to insure bureau compliance.
• We are R.E.S.P.A. compliant. We follow the same rules as AMEX, MC and Visa
• There is generally one hard inquiry with Transunion to verify application information. If there is no information on Transunion, we will pull from another bureau.
• REASONS FOR NON-APPROVAL: A) Active and open bankruptcy, B) Child support and
• C) Tax liens over 15K to 20K.
• If a customer is not approved, the $99 processing fee is fully refundable.
• 50% down with every order for the 1st year. This keeps your customers within the 30% utilization guidelines.

Customer Benefits: 

• $5,000.00 line of credit to everyone who is approved.
• $99 sign up. The $99 joint sign up includes a spouse, brother, sister or anyone else you want linked to your account.  Both social security numbers on a joint application report to the credit bureaus.
• One time minimum purchase of $100
• Delivery within 2-3 days of order.
• 10 to 50 point jump in credit scores the 1st month of account reporting on bureau.
• No monthly fees ever.
• If you sign up, place your order and sign your contract before the 25st of the month, your account reports on the 5th of the following month.
• Only one hard inquiry (Transunion) ****EXCEPTION.  If there is not enough information on Transunion, we will either pull Experian or Equifax.
• Instant Approval
• 9% interest rate
• No monthly purchases required to maintain open account after initial purchase.
• 50% down on all purchases for the 1st year only. (This aids in deterring overspending and keep spending below the 30% threshold.)

RAISE MY FICO SCORE CONSULTATION $150.00

This is a one hour consultation where the client will be graved by the hand and will be educate on how to add an additional 40-60 points to their FICO within 3 months. This consultation will be to educate the client on the following:

• Demonstrate two different credit lines that will approve the client for $5k each
• How to monitor the FICO score using tools like Credit Karma.com
• Explain what the FICO score consist of
• Review your credit report for inaccurate personal information
• BONUS *** Reveal a strategic way to getting between $10K – $20K in credit cards

This “Raise my FICO Consultation” is excellent for clients who already have a clean report and just need an additional 40-60 points to get qualified for that big Credit Card, Car, or House. Its also excellent for people who are starting to build their credit and don’t want to wait 1 – 2 years to qualify for $10-20K credit cards.