SCRIPTS: Credit Protection

Right now, your clients are looking for encouragement, ways to keep spirits high, tips for cutting expenses, and valuable advice for navigating this new normal. To help you showcase your expertise and stay connected to your sphere, we’ve put together a collection of timely, client-facing marketing assets below. Copy and customize with any specific messages you’d like.

This collection includes:

• Email (Subject line, body copy, and image header)
• Call script
• Text script
• Social post (Caption and image options)

Protect Your Credit

EMAIL

SUBJECT LINE

Planning to buy a home? Protect your credit score.

COPY

Dear (Client),

Whether you’re thinking about buying your first home or your next home, your credit score will play a huge role in determining what kind of mortgage rates are at your disposal. That’s why it’s vital to keep your score as pristine as possible throughout these unprecedented economic times. If you’re having trouble paying your bills, follow these tactics to keep your credit score protected.

 

1. Contact Your Lenders

There’s nothing wrong with asking your lenders for help in your time of need. In fact, some may already have programs in place to help individuals affected by the downturn. See how the Consumer Financial Protection Bureau recommends discussing these issues with various types of lenders.

 

2. Know ALL of Your Accounts

Between student loans, car loans, mortgages, credit cards, and all the other lines of credit at your disposal, it’s sometimes hard to remember all of your accounts, but nothing could be more important. Knowing your accounts, and their statuses, is the only way to know if someone opens or closes an account without your consent.

 

3. Monitor Your Scores

That’s right, “scores.” There are three credit bureaus (Experian, TransUnion, and Equifax), each with their own scoring system. Different lenders trust different bureaus, so it’s important to know where you stand with each of them.

 

4. Read Your Reports

While scores are a great gauge of your credit, reports are where you’ll see all the information each bureau uses for their calculations. By keeping a close eye on your reports, you’ll be able to address any suspicious activity before it gets out of hand.

 

Credit scores are the resting heart rate of your financial well-being. Keep them strong and steady, and you’ll land a favorable mortgage without breaking a sweat.

CALL SCRIPT

NOTE: Please review this page to ensure you are in compliance with the Do Not Call / Telephone Consumer Protection Act.

AGENT:         Hi, [client]! It’s [agent]. How are you and your family doing?

 

[LISTEN AND RESPOND EMPATHETICALLY]

 

I wanted to check in and also see if you got my email about protecting your credit score in times of economic uncertainty.

[IF THEY SAW IT]

Wonderful! I hope you found the information helpful. As a real estate agent, I am extra vigilant about credit health, and I just want to make sure all of my clients have the best scores possible.

[IF THEY DIDN’T SEE IT]

No worries! Just to give you a quick overview, it outlines four steps for keeping your score as strong as possible in any market. As a real estate agent, I take credit very seriously, and I just want to make sure my clients have the best scores possible. If it doesn’t pop up in your inbox or spam filter in the next 24 hours, shoot me a text and I’ll resend it.

[SIGN OFF]

It was nice speaking with you, [client]. Stay safe, take care, and feel free to text or call if there’s anything I can do for you.

TEXT SCRIPT

TEXT:             Hi, [client]! It’s [agent]. I just wanted to let you know I sent you an email with some really helpful tactics for keeping your credit score strong during times of economic uncertainty. As a real estate agent, I take credit very seriously, and I just want to make sure my clients have the best scores possible.

 

Let me know if you get it and if there’s anything else I can do for you. I’m always a text or call away. Take care and stay safe!

SOCIAL POST

TEXT:             Pop quiz! Do you know your credit score? From all three bureaus? If yes, way to go! 🎉 If no, here are four techniques for strengthening your score

right now.

1. Contact your lenders if you’re having trouble paying your bills.
2. Know ALL of your accounts (student loans, car loans, credit cards, etc).
3. Monitor your scores (Experian, TransUnion, and Equifax).
4. Read your reports and look for any suspicious activity.