ENHANCEMENT AFFILIATE
 FREQUENTLY ASKED QUESTIONS

Q:
1.  DO I NEED PREVIOUS EXPERIENCE TO WORK IN THIS PROGRAM?
A:
NO.  Previous experience is not required to be a part of any of our affiliated programs.

Q:
2.  DO I HAVE TO REGISTER IN THE ANNUAL PARTICIPATION PROGRAM?
A:
NO.  This program is for individuals and/or businesses with a proven track record for sales and marketing.  Most money-motivated individuals will prefer these program options to enjoy higher commission payouts.  There is a one-time acceptance fee of $1,800.00 for all new registrants at time of application and a personal credit report fee of $85.00 is required..

Q:
3.  DO I HAVE TO OWN A COMPUTER TO REGISTER AS A BROKER OR AFFILIATE OF YOUR AGENCY?
A:
NO.  You can work-from-home, door to door or market our products and services in your local newspaper or distribute literature to friends and family.  Whatever method you are comfortable with is fine with us.

Q:
4.  WHEN WILL I RECEIVE MY FIRST COMMISSION CHECK?
A:
Immediately when your first client has purchased a new credit enhanced product, has requested add-on services to existing credit file or has received funding that was approved through our agency.  Normally our accounting department processes check payments on a weekly and/or as received basis.  If you had a client that was approved for funding on a Monday, we would bill that client on a Tuesday and you would receive payment one week after your client's payment was processed and verified with our Credit and Accounting Departments.

Q:
5.  HOW MUCH WILL I BE PAID IF I WORK AS A REFERRING AFFILIATE AND NOT PARTICIPATE IN YOUR ANNUAL BROKER'S PROGRAM?
A:
$100.00 for each new client registered for services.

Q:
6.  IF I CHOOSE NOT TO PAY THE PARTICIPATION FEE RIGHT NOW ... DO I STILL HAVE TO PAY THE CREDIT REPORT FEE WITH MY APPLICATION?
A:
YES.  Credit Report Fee of $85.00 is required from each individual applicant and/or business owner interested in any of our affiliate programs and/or network services.  We generally waive the application acceptance fee of $375.00 because you have elected not to participate in the Annual Broker Program.  (As a courtesy, we will forward a copy of your personal credit report after review to your residential address on your application for your records.)

Q:
7.  WILL I BE ABLE TO UPGRADE IN THE FUTURE INTO THE PROGRAM?
A:
YES.  You can upgrade at anytime.  Just download our Annual Broker's Participation Application, return it as instructed with your payout participation fee and you will be immediately upgraded to the payout level you selected.

Q:
8.  WILL I NEED A WEBSITE OR ONLINE SERVICES FOR THIS PROGRAM?
A:
YES.  We recommend that our Affiliates have some form of Internet access so we can communicate back and forth with you faster and quickly when you have client issues or questions you are not sure of.  It's alot faster to be online than to work through directmail or telephone due to the volume that we receive. 

Q:
9.  WILL I BE REQUIRED TO MEET MINIMUM QUOTAS EACH MONTH AS AN AFFILIATE?
A:
YES.  You must send in at least 5-10 new applicants, clients or prospective members or you may meet your minimum when at least 5 new client referrals have purchased any of our credit or financial service products listed on our Enhancements Website.

Q:
10.  WHAT ARE THE MINIMUM REQUIREMENTS FOR ANNUAL PARTICIPATING IN THE ENHANCEMENTS PROGRAM?
A:
Brokers must submit a minimum of $75,000 in sales volume per month and/or at least 7-10 new clients for credit enhancement or funding services.  (Normally these are the minimums for the first Ninety (90) Days so you can get established with the agency and your marketing campaigns.)  After Ninety (90) Days, Participating Brokers are required to meet a minimum of $150,000 in sales volume per month to successful continue the program.  (Clients do not have to be funded, however; the volume must be met regardless.)

Q:
11.  WHY IS THERE AN APPLICATION ACCEPTANCE FEE FOR AFFILIATES?
A:
Affiliates are setup and considered to be Independent Contractors.  If we did not charge an acceptance fee to show that you were affiliated with us in someway, you would not be able to receive a Commission Check for the referral clients that you sent in to us.  Portions of the fee also go towards the Initial Consultation and Startup Instructions provided directly "one-on-one" with our Director of Finance.  We provide consultation and guidance services for all our new Affiliates "Free" for the first Thirty (30) Days.

Q:
12.  WHEN I GET MY STARTUP PACKET OR MY WELCOME KIT, WHAT SHOULD I DO NEXT?
A:
Read the literature provided and locate each application, loan request form and/or line of credit application for your prospective clients and start passing them out or distributing them.  If you have an Online Website, we will provide you with links to "ready-made" forms for your convenience in directly your client referrals to the appropriate applications.

Q:
13.  WILL I RECEIVE A CONTRACT OR AN AFFILIATE AGREEMENT?
A:
YES.  All participants, applicant's, consultants, agents, referring brokers, annual participating brokers, work-at-home affiliates, and credit card agents will receive an individual Affiliates Agreement; which must be signed and Notarized and return immediately when your application has been approved.  A copy will be returned to you for your records and signed with our corporate seal when your application has been finalized.

Q:
14.  CAN I MARKET AND OFFER YOUR LENDING OR FUNDING SERVICES ANYWHERE IN THE UNITED STATES?
A:
YES.  As long as it's in the United States and Canada Only.  We have outsource programs that handle all other International Countries for us.

Q:
15.  WHAT ARE THE FUNDING LIMITS THAT I CAN OFFER TO MY CLIENTS?
A:

Other services you may offer are:
* Credit File Creation, Credit File Enhancement and Credit Repair & Deletions.  For a more detailed explanation and description of these services, visit our Enhancement Website.

Q:
16.  HOW LONG DOES IT TAKE FOR CLIENT TO BE FUNDED?
A:
10-20 Business Days from the date the loan request was submitted for placement.

Q:
17.  ARE THERE FASTER FUNDING SERVICES AVAILABLE?
A:
YES.  Based on the credit history, fico score and the overall debt-to-income ratio of your client who is seeking ADD-ON Creation Services; funding for lines of credit are essentially processed much faster than loans or higher end value loans that require our creations department to first create the new file.  Most clients receive their funds within 5-7 business days from the date we accept your client's loan request or at maximum 10-15 business days after we have accepted their loan request.  (Each situation individually for your clients will be different as their service requests will vary for a particular service.)

Q:
18.  I DON'T HAVE A BUSINESS YET ... CAN I STILL REGISTER AS A BROKER?
A:
YES.  You would be considered a Referral Consultant and would all payout commission checks would be payable to you personally.  You would still receive commission payouts on all funded clients as usual.  It is your option to remain an independent referror or to upgrade later as a business.  The payouts will remain the same.  When you have your new business name reserved and your documents to confirm its presence, you can fax them to us at: 1-866-RTISTIC! (1-866-784-7842) and we will update our records immediately.  From that point, all future commission checks will be payable to your business name instead of to you directly.

Q:
19.  HOW DO I MAKE MY PAYMENT?
A:
You can use any of the methods indicated below to make your payment to us for your new Account.

Q:
20.  CAN I REFER OTHER ENHANCEMENT AFFILIATES TO THE AGENCY AND STILL GET PAID FOR REFERRING THEM?
A:
YES.  You would be paid $100.00 for all Participating Affiliate referrals that you send to us who registers as an active annual broker in any of our Broker Payout Levels. 

Q:
21.  DO YOU OFFER CREDIT ENHANCEMENT SERVICES OR "SPECIAL FINANCING" PROGRAMS FOR CLIENTS WHO MIGHT HAVE BAD OR DESTROYED CREDIT??
A:
YES.  Our agency will provide your client's with a variety of financial and funding options that are available at the time of their application.  Most enhancement services vary in completion and will require your client's signature on our Confidentiality Agreement.

Q:
22.  DO YOU HAVE DO-IT-YOURSELF PROGRAMS AVAILABLE FOR CLIENTS WHO PREFER FUNDING THEIR OWN LOANS OR LINES OF CREDIT?
A:
YES.  Your client can purchase our Credit Secrets Manual and learn a great deal in securing and funding their own loans and how to resolve any credit or financial problem they might be having. 

Q:
23.  WILL I BE CONSIDERED AN EMPLOYEE OF ARTISTIC! CAPITAL CORPORATION ONCE I REGISTER OR SIGNUP?
A:
NO.  All applicant's, participants, agents, consultants, representatives, affiliates, processors, brokers, referring brokers, referral consultants, and associations are considered as Independent Contractors and not employees.

Q:
24.  WILL I HAVE TO PAY MY OWN TAXES ON THE PROCEEDS I EARN WORKING THRU THIS AGENCY?
A:
YES.  We will send you a 1099 Form at year end, which you will be required to submit to the IRS with your tax return and earnings statement.  We do not pay your taxes on income earned.  If you received a commission payout of $10,000 and that is what was due you; this is what we would pay you.  Any tax incurring amount due on this figure is your responsibility to pay and not our agency.

Q:
25.  HOW SOON CAN I START YOUR PROGRAM??
A:
IMMEDIATELY.  The same day we receive your completed and signed application with your Participation Fee if Annual Broker; or your completed application with your credit report fee if a Referring Broker.

Q:
26.  I LIVE IN ANOTHER COUNTRY ... CAN I STILL REGISTER AS AN ARTISTIC! AFFILIATE ONLINE?
A:
YES.  But you would be considered an INTERNET BROKER only and would be required to have a website or a method in reaching United States applicant's only for processing funding requests thru our agency.  Or you could market just our credit card and financial programs.  We are working to implement new programs that will cater to International applicants when they consider joining.

Q:
27.  I DON'T HAVE AN ANSWERING MACHINE OR A PROFESSIONAL PHONE LINE SETUP AT MY RESIDENCE AND WOULD BE WORKING FROM HOME ... DO YOU HAVE A VOICE-SYSTEM OR SERVICE THAT I COULD USE?
A:
YES.  A Virtual Offices are available for the Work-At-Home Affiliate who wants to project a professional image when clients or potential applicant's contact him/her at their residence.  Take a look at our Virtual Offices Website for more details regarding our unique Voice Automated and Activated Messaging Services.  (Most all our successful Brokers use these services.)

Q:
28.  I WOULD ALSO LIKE TO REGISTER AS A MERCHANT AND ACCEPT CREDIT CARDS FROM MY CUSTOMERS; HOW WOULD I GO ABOUT IT WHEN MY CREDIT IS BAD?
A:
NO PROBLEM.  We have an established account with The Humboldt Bank and can get anyone financed for Merchant Accounts.  If you would like to apply right now, just send us your email address or fax number and we'll send an application immediately.

Q:
29.  I WOULD LIKE TO REGISTER FOR SENDING PAYMENTS ONLINE ... WHERE SHOULD I GO THAT'S EASY, FAST AND CONVENIENT?
A:
We recommend PayPal.  Click Here And Apply Today!! >>

Q:
30.  CAN I FAX EVERYTHING 24 HOURS PER DAY, 7 DAYS PER WEEK??
A:
YES.  Our faxlines are always available for our Brokers and Consultants.  Anytime you need to send us information, you can use any of the faxlines listed below for immediate forwarding to our Broker's Department:

FAX LINE #1:  1-866-RTISTIC! (1-866-784-7842)
FAX LINE #2:  1-888-886-0058

* Due to exchange prefixes in various States and Countries, if your fax does not go thru the first time, please dial *82 before the number and continue to execute your fax.  When dialing, enter on your fax keypad as follows: *8218667847842 or *8218888860058.

We hope our Broker's Frequently Asked Questions has assisted you.  As we continue to register new Brokers and receive more questions; we will provide the answers immediately.  Please feel free to check back and use this website as a fundamental guide.

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