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Credit Info
Washington, D.C. -- Nearly one-third of credit reports contain serious errors that could cause consumers to be denied access to mortgages, car loans and credit cards, according to a U.S. Public Interest Research Group study.
Mortgage companies begin the mortgage process by taking an application, pulling credit, and subsequently qualifying you based on your score. We start the mortgage process by taking an application, pulling credit and then analyzing your credit. We make sure that there are no errors on your report and correct them, if there are. We discuss with you simple strategies to raise your score and then work together to implement those improvements quickly. When we are satisfied that your credit score is an accurate representation of your current situation, we will then structure a loan solution for you. Since 30-50% of credit reports contain some kind of error, millions of borrowers sign for loans with terms that aren't as favorable as they truly deserve.
A Brief History of Credit Repair
Long ago, when a repository received a dispute, that dispute had to be relayed (often by mail) to the creditor, with the response then being mailed back to the repository. The law provides only 30 days for disputes to be completed; often it would take longer, resulting in the temporary deletion of the tradeline. However, once the results were received (assuming the account was verified), the tradeline was simply re-reported. Subsequent attempts to dispute that tradeline were marked as "frivolous" and ignored as provided for in the FCRA. Today, disputes are handled electronically; there is little chance the results of the investigation will not be returned within 30 days, rendering the vast majority of credit repair tactics useless.
How We Can Help
Utilizing our state-of-the-art technologies, we will be able to:
- Explain your FICO scores and how they will impact your loan
- Explain why your scores differ between repositories (Experian, TransUnion, Equifax)
- Identify credit score issues and provide a concise, easy to follow plan to quickly improve your scores (often in 72 hours or less), enabling you to obtain the best mortgage loan possible
How Do We Do It?
We have established relationships, undergone extensive credit training, and have the most proficient staff in the industry in order to provide you with the best service and product in the industry. We first examine your credit report and run a credit analysis that will determine the amount of improvement that can be made. Our Credit Professionals will identify incorrect, missing, and outdated information in order to determine which updates will result in a higher credit score.
"What If" FICO Simulator
There are plenty of changes that can be made to the overall structure of your credit report that will result in an increased credit score. With the FICO Simulator, we can see how small changes can increase your score before you take any action. Each of the actions will impact the score, but by how much depends on the dynamics of each individual file. By utilizing the FICO Simulator, we can provide you with an instant prediction of the impact of the changes to each repository.
7 Things You Need To Know Before You Apply
The links below will allow you to either download a copy of "7 Things You Absolutely Need to Know Before You Apply for Any Mortgage," or view it online.
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