Most are! Unfortunately! Are All Credit Repair Companies A Fraud? © 2011 Stephen W. Gangey, All Rights Reserved

Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

We always provide a light at the end of the tunnel… And can assure the client that it isn't an oncoming train… However, the length of that tunnel will vary with each individual. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Our Mission: Assist and counsel our clients on specific options available to save them money, and get their life back. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Our Mission: Assist and counsel our clients on specific options available to save them money, and get their life back. Our Programs and Counseling are all about establishing a plan that improves the clients credit scores as quickly as possible! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Credit Repair Services Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Credit Repair Services Creditor Debt Negotiations Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Bank Levy Release Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Bank Levy Release Penalty Abatement Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? IRS Tax Relief Services Instruments Available: Offer in Compromise Wage Garnishment Release Installment Agreement Bank Levy Release Penalty Abatement Currently Not Collectable Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Do-It-Yourself Software – If youre tenacious enough. Credit Repair Magic – 60-day Money-Back Guarantee ($97) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Do-It-Yourself Software – If youre tenacious enough. Credit Repair Magic – 60-day Money-Back Guarantee ($97) ACG Credit Repair & Debt Settlement Program (Setup for as low as $ / $34.95 for each negative item removed) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – Starting at $49.95 Check-Up -- Credit Profile Order and Review ($49.95) Money Applies to ACG Credit Repair and Debt Programs Do-It-Yourself Software – If youre tenacious enough. Credit Repair Magic – 60-day Money-Back Guarantee ($97) ACG Credit Repair & Debt Settlement Program (Setup for as low as $ / $34.95 for each negative item removed) Example: Five Negatives removed is Less Than $350 Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – The Credit Repair À la carte Menu Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – The Credit Repair À la carte Menu Credit Bureaus: Challenge Agreed to Accounts & Clean-Up Personal Information (Standalone Setup $69.95 / item removed $34.95) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? Credit Related Services – The Credit Repair À la carte Menu Credit Bureaus: Challenge Agreed to Accounts & Clean-Up Personal Information (Standalone Setup $69.95 / item removed $34.95) Creditors: We Challenge and Dispute the Account, and Demand Validation (Proof) of the Debt (Standalone Setup $ / item removed $34.95) Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Life Repair? -- H. R Medical Debt Affects 73,000,000 Working-Age Adults Representatives: Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved Senator Kay Bailey Hutchison (R- TX) v/?p= _kay Senator John Cornyn (R- TX) ublic/index.cfm?p=Contac tForm Representative Michael McCaul (R - 10) ndex.cfm?sectionid=133§i …

Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Debt Settlement Negotiations Client/Creditor Negotiations are provided on a Retainer Agreement at $90 per hour. Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Debt Settlement Negotiations Client/Creditor Negotiations are provided on a Retainer Agreement at $90 per hour. Assistance understanding financials with ACG Tools Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved Worksheet 2 -- Budget and Debt Service Schedule (Secured and Unsecured) HOUSEHOLD BUDGETMonthly Income (net) Gasoline##.##Auto Insurance##.##His##.## Gas##.##life Insurance##.##Hers##.## Electric##.##Other Insurance##.##Total Monthly Income$0.00 Water##.##Cable/Internet##.##Austin Credit Group Trash##.##Phone (s)##.##P.O. Box 5481 Groceries##.##Pet(s)##.##Round Rock, TX Medical##.##Other (Explain)##.## Monthly Expenses$ The Account Number entries containing six "#" are for example only. Please put valid data in these rows. CreditorAccount NumberOriginal / High BalanceCurrent BalanceAvailable Limit Available Credit % of AvailableInterest Rate Minimum Payment Due Date Primary Mortgage or Rent ABC Mortgage######$127,500.00$12,235.31N/A7.50% Second Mortgage Third Mortgage Auto Loan Credit CardAMEX######$13,000.00$2,000.00$20,000.00$18, %11.00% Credit Card$0.00#DIV/0! Credit Card$0.00#DIV/0! Credit Card$0.00#DIV/0!

Our Focus is Life Repair And Debt Management What is Debt Management? Accounts Management and Creditor Debt Negotiations Debt Settlement Negotiations Client/Creditor Negotiations are provided on a Retainer Agreement at $90 per hour. Assistance understanding financials with ACG Tools Debt Consolidation Counseling Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Our clients will be in a position to purchase what they need when they need it at the best possible interest rates! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Potential Employment Opportunities Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

Our Focus is Life Repair And Debt Management We are Pro-Credit and Anti-Debt! What does this mean? Best Interest Rates on Major Purchases Home / Auto / Refinance Insurance Premiums Potential Employment Opportunities ALL ARE AFFECTED BY CREDIT SCORE! Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved

ALL ARE AFFECTED BY CREDIT SCORE! Example Loan Comparison The difference between a 700 and 650 FICO (Credit) Score in July, Austin Credit Group is Different! 1st Option2nd OptionDifference Loan Amount$125, % APR % 4.99%5.54% Term (months)360 Payment (Monthly)$670.26$712.88$42.61 Interest Paid (First 60 months)$29,985.42$33,409.46$3, Term of Loan %$116,294.78$131,635.54$15, © 2011 Stephen W. Gangey, All Rights Reserved

Thank you for your time and interest! We are here to help you, your friends and your clients get their life back! TM ANY QUESTIONS? Austin Credit Group is Different! © 2011 Stephen W. Gangey, All Rights Reserved