Learn how credit scores affect buyers, financing, borrowing power, and real estate transactions in this practical course for Realtors.
A buyer’s credit profile can make the difference between a stalled transaction and a successful closing.
Join Heather E. Towe and ENRG Global Realty, in partnership with Butler Title, for The Credit Score World, an educational course presented by Gabe Kutlin, CEO and Credit Strategist at Liberty Credit Experts.
Designed for real estate professionals, this class breaks down the credit factors that can affect financing, borrowing power, and real estate transactions. Attendees will leave with plain-English explanations, real-world examples, and practical talking points they can use with buyers, prospects, lenders, and referral partners.
This event is open to ENRG Global Realty agents and real estate professionals from all brokerages. Advance registration is required.
WHAT YOU’LL LEARN
Credit Basics
• What credit actually measures
• Credit-score ranges and what they mean in real estate
• The major factors that influence a credit score
Data Flow and the FCRA
• The difference between credit and risk
• Data furnishers, credit-reporting agencies, and the reporting lifecycle
• FCRA fundamentals every real estate professional should understand
Credit-Score Impact Drivers
• Derogatory information and its potential effect
• Revolving and installment-account utilization
• Credit behaviors that can influence loan approvals
Credit History and Inquiries
• Why the length of a credit history matters
• Rate-shopping rules
• Hard versus soft inquiries
Student Loans, DTI, and Borrowing Power
• How federal student loans appear on a credit report
• How student loans may affect debt-to-income ratios
• Strategies that may help improve borrowing power
ABOUT THE INSTRUCTOR
Gabe Kutlin is the CEO and Credit Strategist at Liberty Credit Experts. During his more than 10 years in the credit-services industry, Gabe has educated over 5,000 real estate professionals, loan officers, business owners, CPAs, teachers, credit-repair professionals, and consumers.
Gabe serves on the Board of Directors of the National Association of Credit Service Organizations and co-authored the NACSO Certified Credit Repair Specialist National Exam. He has also developed credit-repair software, participated in credit-expert panels, and created The Credit Score World, one of Florida’s most widely attended real estate continuing-education courses about credit scores.
WHO SHOULD ATTEND
• ENRG Global Realty agents
• Real estate agents from other brokerages
• Brokers and team leaders
• Loan officers and real estate industry partners
• Real estate professionals who want to communicate more effectively with buyers about credit
CONTINUING-EDUCATION INFORMATION
This course provides 2 hours of Florida real estate continuing-education credit.
CE Provider: LIBERTY CREDIT EXPERTS LLC
Course Number: 0021694
License Number: CRS16972
To qualify for CE credit, attendees must register using their own name and email address, provide accurate license information, arrive on time, remain present for the required instructional period, and satisfy all attendance-verification requirements.
Good to know
Highlights
- 2 hours 30 minutes
- Online