Credit Repair Questions & Answers

Loan Preparation

I want to get a mortgage in about 6 months, how can credit repair help me?

Unless you have a specific issue on your credit report, like a new bankruptcy, that will keep you from getting mortgage financing, there is no reason that credit repair cannot shape up your reports and deliver a significant enough improvement in your scores to help you qualify for your loan within six months. Read More »

Is there anything special I should do to help my scores before applying for a loan?

When it comes to getting a loan, timing is very important. There are a variety of things you can do to boost your scores in the months prior. And a few things you should avoid as well. Read More »

I’m worried about the collections on my report. Will they keep me from getting a mortgage?

There are a lot of credit repair strategies you can use to shape up your credit for a mortgage application. And there is no reason in the world that you cannot reach your goal in a reasonable amount of time. In fact, most of our customers find that six months is sufficient to shape up their credit enough to qualify for a good mortgage. But there are a few special situations that lenders are sensitive about. Read More »

Credit Repair and Loan Preparation

Our goal is to help you become lender ready. The only real objective of credit repair is to build usable credit. A big part of the process is designed to improve credit scores as they are usually the first thing that a lender looks at when underwriting a loan request. But credit scores are by no means the only focus of our credit repair program.

Credit scores alone will not always do the trick. Many lenders require that you have a minimum number of open accounts. If we see that you do not have open accounts we will ask you to open two secured credit cards. These new accounts will serve two purposes. Not only will they help you meet lenders minimum account requirements, but they will be critical in improving your credit scores.

Many of our credit repair clients come to use with critical time frames. Many of the actions we will take on your behalf will provide quick benefit, others require time, and there are some credit repair techniques that will actually lower your scores temporarily in advance of providing the long term more significant benefit. If you are in our credit repair program we will make sure to consider your time sensitive goals as we develop the right strategy for you.