EC Knowledge
These debt classes are to be excluded from the 90% of Eligible Debt Enrolled rule.
What are...
Joint debts where the co-borrower doesn't authorize enrollment (or does not enroll as co-applicant), Collections, Student Loans, Payday Loans, High Interest Loans, Credit Unions, and Medical
The person who won Best New Artist at the Grammy's in 2026:
Who is...
Olivia Dean
This is the correct action to take if a lead you have been working and would like to call is unexpectedly closed out, or you struggle to find it.
What is...
Reach out to your manager or BAS to have them open it back up.
This may apply to banks where the client has a personal loan they would like to include as well as an active bank account:
What is...
Right of Offset
The speed dial for Gold State lead transfers:
What is...
229
This is the most important thing to confirm while going through the GE.
What is...
Affordability
In this situation, a wage garnishment does not necessarily mean a tradeline is automatically ineligible.
What is...
If it is is not court order/the result of legal proceedings, and is instead client-imposed AND includes a clause that would allow the client to opt out of the garnishment.
The individual who won NFL Offensive Player of the Year this year (2025-2026):
Who is...
Jaxon Smith-Njigba (JSN)
A successful Tie Down includes the steps:
What is...
1. ALIGN with the Client
2. IDENTIFY their True Objection
3. ADDRESS and/or REDIRECT
4. ASSUME THE CLOSE
Files cannot consist of more than 50% of any ONE of the following debt types:
What is...
1. Medical
2. High Interest Rate Creditors (PayDay Loans)
3. Business Debt
These are the main factors considered when reviewing appealed contacts.
What is...
1. The agent was on script.
2. The agent attempted to progress the call forward.
If we send the EA and the client points out a spelling error or any other errors prior to completely signing, these are the correct steps to take:
Void the EA
Return to tradelines and quote section
Correct the errors
Save the quote again
Resend the EA
These are all acceptable documentations that would allow you to add a tradeline, in order of which should be attempted/obtained first.
What is...
1. Credit Report from Soft Pull
2/3. Statement and/or TILA
3/2. Credit Report from Hard Pull
4. Client Provided Credit Report
These are the 6 steps to create urgency in "The Recap" portion of the script (leading up to UW):
What is...
1. Prelude
2. Hardship
3. Goals
4. Conclusion
5. Confirmation
6. Commitment
How we should initially set up the deposit schedule for a client who is paid bi-weekly, with their next paycheck coming the following Friday (11 days from now, assume it's a Monday).
What is...
Bi-Weekly, but set the first deposit date 2-5 days out, with the second one occurring on the FOLLOWING paycheck, not the one next Friday, and continuing every 2 weeks from there.