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Universal Brush Off Before the pitch · Script reminder
That’s a good question. Let me get your file submitted first so I can see exactly what you’re approved for.
Once that’s in, I’ll walk you through every detail and answer anything you need. Sound fair?
Perfect. Before I can get your file submitted, I just need to [NEXT SCRIPT STEP].
Return to the next script step.Notes:
CONTACTS / NEW
New prospect
Save the customer before pulling credit.
CONTACTS / CUSTOMER RECORD
Credit & debts
Not pulledReady to pull credit
An existing matching report is reused before any new inquiry.
Getting credit report…
Do not retry. Reopen this record to check its saved status.
What’s affecting the score?
Reason codes: Unknown. Refer to the actual report.
Credit-card utilization
UnknownDetails
Report-wide limits and account status are not verified. Not based on selected debts.
CREDIT REPORT READY
Select debts to include
| Creditor | Type | Balance | Payment | Utilization / status |
|---|
Selection is not eligibility approval. Review the PDF; existing enrolled accounts may require owner review. Manual debts and statement uploads are not enabled in this pilot.
Hired another company to help?
CIA METHOD · During discovery
Ok, so you’re in a program already.
1. What’s the name of the company you signed up with?
2. What’s your monthly payment?
3. How many payments have you made?
4. How long is the program?
5. Did this company tell you that your accounts would show 30–90 day late payments on your credit report for entering their program?
6. Did they tell you could be sued or have 25% of your paycheck garnished for entering their program?
Don’t worry—most of my clients actually come from other programs. I’ll walk you through how we can handle this differently so you’re protected and your credit can recover.