Transcript
Speaker: Yes sir. You can start asking questions.
Speaker: Did you It doesn't matter. It doesn't matter. There is no mayor between you and me. okay Mr. Yeşer, what is clean credit?
Speaker: Who is Temiz Kredi? How do you do credit cleaning? Really, what are the credit transactions? Wait a minute. One question. Now, there is Yusuf.
Speaker: In 2003, then. In America... Be it. When I was in Philadelphia, I founded a was working on that It was a nice job.
Speaker: Then I got a call from New Jersey. In the time of Uzakti Vakti The end of 2002, beginning of 2003. all the Turkish companies in the United States.
Speaker: B. We prepare yellow pages
Speaker: Regarding this, Let's work together. Dear? It happened. We received an offer. We said okay, I jumped and went. I was in Philadelphia, we came to New Jersey.
Speaker: We sat down, talked, agreed. I closed my job in the kishikaattom New Jersey. I moved back again. While making these yellow pages in for the yeah part canada I was saying something inside.
Speaker: Ben... What can be done about loans? What can
Speaker: Temizlenince... I said, let's do this. In fact, in the United States, I can offer this service to other people as well. who is met I started to think about infrastructure.
Speaker: When the project is over, I set up Temiz Kredi. It is a company that has been established to clean the stained information in credit reports.
Speaker: And the website is temizkredi .com We have been doing this since 2003. Okay, right here. The question to be asked is is credit cleaning? Is it really being cleaned? Yes This is a question that really needs to be asked.
Speaker: I am always in touch. Is the dirty information in the credit report really being cleaned up? Is the credit score rising? Now... I have to point out this. There is dirty information in credit report. True.
Speaker: There is no such thing. This stained information... Sometimes there may be wrong information. Except for your knowledge. Senin A piece of information that I did or didn't do.
Speaker: It enters as contaminated information in the credit report. or knowingly I mean, I don't know if I should say it, but because of a mistake I made to you, a late payment. You paid 10 days late, you paid 20 days late, you forgot to pay your credit card, you forgot to pay your car, you forgot to pay your mortgage, you really entered the credit report as late payment.
Speaker: In America, the Devlet He has worked on this for a long time. and made laws. buan on la church In credit upon The contaminated information in the credit report Real. or even if it is real, it doesn't matter what it is.
Speaker: These laws need to be reported to the credit report within the framework. When these laws come out of the framework, Even if the information is true. Kanuni. by using our rights We can extract this dirty information from the credit report.
Speaker: <unk>ra porofima a common church of us In Their movements are limited. Laws are with us. By using these laws,
Speaker: We get this kind of information from the credit report. How much does this credit cleaning process cost? Good question. They ask this a lot too. First,
Speaker: We don't have a magic wand in our hands. So we take our hand and We don't have a luxury like erasing all the faulty information in the report all at once.
Speaker: In Kansas. These operations had other even if it is for our benefit. The laws... to credit reporting firms, He has other rights that he has given to credit cards and financial institutions.
Speaker: The most obvious and most... The credit report companies, credit cards, If banks and financial institutions are in any demand, as a way of turning back 30 days Research and investigation.
Speaker: 30 -day investigation period. They use it for 30 days.
Speaker: They can answer on the 30th day.
Speaker: Posta. It takes at least 45 days for a process to be done when you add the post in 10 -15 days. to get the answer to that process. Every process we do is positive. There is no chance of getting an answer.
Speaker: Maybe the men...
Speaker: Minimum What I can say based on
Speaker: If there is it can last up to 2 -3 years. If there is no inflation... It takes 1 -1 .5 years. In some cases, it can be between 6 months and So long.
Speaker: A little while ago You told me a little bit but I... I want to make it more detailed so that the viewers can understand.
Speaker: Which contaminated information are you cleaning? So what is contaminated information? The most common stain information is...
Speaker: stained information. geç ödeme. late payment These can be your credit cards, car... It can be a it can be a car payment, it can be a personal loan. When all of these come together, they are late payments. Pay me on the 15th of the month.
Speaker: Make a minimum payment and I will accept your payment. But if you don't pay the minimum the month,
Speaker: According to the operating system of that bank, He can immediately report it. It can be reported within 30 days. When it enters that report, it enters as a late payment. This is the most harmful information we come across.
Speaker: The second most common color information is from collection companies. Collection companies are also If you haven't paid the debt, to credit card Telefona to the internet. ah When you can't pay your debt anywhere, after a certain period of time, this company He himself It does not go from the way to establish it.
Speaker: How do they sell this to call action companies? To get this money, call action companies They are working. These collection companies enter the credit report as negative information. This is the second most common thing we encounter.
Speaker: Another colored information. Charge off. or write -off. These are from places like credit cards.
Speaker: stained information, When you can't pay... You can't pay for 30 days, 60 days, 90 days. They give you a fee. They want to take this money from you until 150 days, until 180 days.
Speaker: between 90 days and 120 days. They close the They report it to the credit report as a -off. This is another kind information.
Speaker: There is is a leaky information. Foreclosure is more of the houses. As a result of not being paid and the bank to deal with it
Speaker: These are rare times. Repossession is when cars are not paid. car of the bank... This is another thing. stained information.
Speaker: Everyone knows bankruptcy. This can also be There are also inquiries, which we call inquiries. These are not stained information.
Speaker: But the information that decreases the credit score. These are also... Because it lowers the it stops in the credit report. It doesn't make much sense. We take them out too. All of these are stained information that we work on.
Speaker: You talked about the credit cleaning job. Besides, do you help to improve the credit score? Of course. Once... Let me tell you something. Credit report If there is stained information, people It is negative.
Speaker: By the way, the credit score is between 350 and 850. As it falls below 600
Speaker: Credit score is bad. 600 It runs between 680.
Speaker: between 680 and 700 I need to shit. We can say good bad. 700 and above, well... Now let's look at the credit report.
Speaker: uh, A person who does not have a credit score, a credit score of 0. There is no information. We told these friends... We can provide an opportunity develop their loans. We have such study. Thus, from scratch information in the credit report,
Speaker: credit report. We can bring a person to the point where they come in years.
Speaker: This is also very nice when it comes a year. If there is no other stain information. If dirty information does not enter credit report, now using that credit score very well.
Speaker: can have very serious opportunities. boobie bing section. In other words, the the credit report, all the cards have been canceled or They couldn't pay all their cards and it was canceled.
Speaker: We are also developing this person's credit report. geishris minus We bring it to zero. We pass it from zero to positive. a kind of
Speaker: There are viruses, there are microbes that slow people down, make them sick. We viruses. that Microbes while throwing it from the body At the same time vitamins we add key. Let their muscles grow, let the whole body do something with vitamins again.
Speaker: we bring it to the point where it can pass to the plus. In this way,
Speaker: The credit
Speaker: While cleaning these, we also add positive information and help the credit score to develop and the credit report to grow.
Speaker: As someone living in America, I would like to ask my own name. We did the credit I want to start raising the credit score. What should I do in this situation?
Speaker: I also add an extra story. Is your role legal while doing these operations?
Speaker: Let me Her ish Kanuni. We have no illegal situation. Everything is legal, everything is open, everything is in sight. Stay. We don't have a situation like walking around the and legally.
Speaker: That's the first thing. The answer to the second question.
Speaker: biridi on nujava abdou creditdi corrute is landa creditorup upon The
Speaker: our we can do together with probablyjamas season a better a be to ensure that positive information enters the credit report. But when only positive reports enter the credit report, the process does not end.
Speaker: factors affecting the credit score. The factors that affect in a positive way and the factors that affect in a negative way are the factors that cause the creation of credit scores.
Speaker: What are the factors? We teach them all. Thus, people become conscious consumers.
Speaker: But do not see the credit report as just taking credit. Apart from that, this is a reputation report. When banks and financial institutions look at this credit report, If he gives you good information about you In this regard... They will see your work at the same time.
Speaker: bogiability letter or the pure cholar b Boo! We provide both training and awareness for you to bring this file to a solid point. I'm asking as my own question, related to what you told me. Why is this credit score so important? What is in the credit score?
Speaker: Why does everyone want to see the credit score? nego shim did This is also a good question. Vakti zamanında People... When he makes credit applications to banks,
Speaker: I'm talking about the period when there was no credit reporting system. What are they doing? I go to the bank, I want to apply, I apply. bamasshfullyy upton bunker benim The I about me.
Speaker: I don't know anything. Who is this man? What is he talking about? Why does he want so much money? What are they doing after him? They are doing a study. They ask questions about me to other banks.
Speaker: trade, They are questioning the operations.
Speaker: They take a risk. Yes, this man is completely... According to the information obtained from its surroundings. It is done.
Speaker: Now, This... at that time Uh... FICO. It is called A company, Company. the
Speaker: The credit score and credit report system is developed with a system made by two people whose last name is Fair and Isaac. What is the purpose? When banks and information about a person,
Speaker: from around him, from his surroundings, Instead of getting information from people, They go. Be how was that? They go to FICO, they say we want to get their credit reports and information. They say give us information about this person.
Speaker: the information about that person At that moment, that system came from all banks. collects the information and puts it in the pool. That pool looks at the system. a bocur This person's credit score By the way, they use a method that we don't know, a mathematical one.
Speaker: uh They use methods to calculate. credit score. They look at him and say that this person's credit score 650 His credit score is 680. His credit score is...
Speaker: 720. But they do it according to that system. That person is also in that company bank. the information that person He buys from credit or vermeyeceğim.
Speaker: they are very rejectam sha theamm shu shuu ol the jaque pushha plada credi veryja deep onnaurrahaed you buda creditraur neonna the c creditdior neonnam the cho parisis vizelo or
Speaker: According to that information, the bank makes a decision in our minds. There may be contaminated information, negative information, positive information, but in the end what we come across is this.
Speaker: In our negative knowledge, with positive information. The report we have created is in front of a credit analyst at the bank. He looks at it and decides whether to give us credit or not.
Speaker: Well, as someone living in America, how can I learn what my credit score is and what is included in my credit report? Now here... Uh... The credit report There is a page called annualcreditreport .com then lambbicifo This is the government's page.
Speaker: Every credit reporting company Once a year, he is obliged to give his credit report for free. And I recommend it to everyone. Be sure to look at these credit reports.
Speaker: But this annualcreditreport .com page only gives credit reports, not credit scores. Is the low because it does not give the You may have an idea.
Speaker: But... You can't see the net credit score. We have a page called kredibilgimerkezi .com. When you enter the creditbilgimerkezi .com page, you will see the three credit reports.
Speaker: You can see it. You can also see your credit scores.
Speaker: creditors de chi me youcite me credit polands the ellarva nelario petun on order guribius negative people are irish Is in your is is There is a problem of identity theft in America. In identity theft...
Speaker: When you get this information and check your credit report every month,
Speaker: You can see the changes in your report. Are these changes caused by you? Otherwise, you don't know that an account has been opened from X Bank while you are standing. You are exposed to the lack of identity. In terms of following such information,
Speaker: This is piriki an h In the e allla jacksons aba jacksons hyidibbu allahum the pashur nuia pursonnu created a the have information like this and your credit score is low.
Speaker: shoot We could have given it more easily or we would have given your mortgage, but they is
Speaker: What should be the checkk me kitchen score Good question. There is no problem as long as the score is above 700 in normal conditions.
Speaker: The credit score should be above 700.
Speaker: I'm up. 8 separate There is a formula for the credit score. belirleyan. One of them is... It is a formula used by mortgage companies for home buyers.
Speaker: One is a credit credit scores will be different.
Speaker: So when you buy a house, Your credit score is 650. While buying a credit card, it can be 720. car insurance can go up to 750.
Speaker: Here... The purpose is to look at the credit score accordingly.
