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Continuing Education Courses

COURSE TITLE: “Understanding & Maximizing Consumer Credit Scores” (Program #MS604C001LE)

COURSE OUTLINE: This course is an introduction for real estate professionals to understanding FICO scores currently used by the majority of mortgage lenders in determining consumer credit worthiness. The course explores how credit reports are developed, how FICO credit scores are calculated and what data is used in determining a consumer’s credit score. Instruction is provided on the proper steps involved in correcting erroneous credit data contained in a consumer credit file. The focus of the course is on useful, hands-on practical applications used by credit grantors to assist the consumer in maximizing their FICO scores through use of Internet based software tools. Because many consumers have FICO scores that are artificially lower than they should be due to inaccurate data on their credit files and because of mismanagement of the credit data contained in their credit files particular attention is paid to personalized credit management and optimization solutions available to the real estate professional. This course will assist the real estate professional in understanding the importance of credit score optimization in the current marketplace and how to use the available optimization systems to help consumer buyers.

INSTRUCTOR: Larry Avery, Birchwood Credit Services, Inc.

                                                                                                                       

Offering the above Continuing Education Course is an excellent way to build relationships and goodwill with Maine Real Estate professionals. There is no cost to the bank to offer the above course other than providing a meeting location for each course sponsored. Birchwood provides all course instruction and materials including the handling of course registration. Course promotion may be done by the bank. The registration fee is usually $40 per registrant but is waived for the bank or affiliate sponsored courses. You, of course, have the option of offering the course free of charge or you may bill this fee.

If you are interested in the above program, you must become a Birchwood client actively utilizing, at least, one product line. There are no other requirements. Birchwood also offers other consumer-based seminars covering “What Every Consumer Should Know About Credit Reports” which you may offer as educational outreach to you current and future customers. We offer up to four (4) scheduled courses a year, either the Maine Real Estate course or consumer outreach course, should you wish to participate.

As discussed, Birchwood products are priced competitively, with access to a wide range of products and services, including TRV reports, Flood reports and AVM reports. Remember, your bank only has to use a single product line to qualify should you be interested.

Thank you for your time and we would be happy to meet with you personally to discuss this opportunity or answer any questions. Feel free to call me at 1-800-910-0015 or Larry Avery directly at 603-785-4625.

Birchwood Credit Services, Inc. is looking for a banking partner in the state of Maine to jointly offer the Continuing Education Course outlined above to Maine Real Estate Brokers. The course is approved for 3 clock hours of continuing education credit by the Maine Real Estate Commission.