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Credit Repair Solutions! Bad Credit Mortgages

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Understanding how the credit system works is a very important part of being an informed consumer. Most individuals don’t know what goes into their credit score and that is because the bureaus don’t want you to know.

Under current law, the Credit Reporting Agencies MUST: Provide you with information about what’s in their files and take steps to verify the accuracy of any information disputed by a consumer.

The law says that Credit Reporting Agencies can only keep negative items on your report if THEY can prove their validity.

That means that when I take the proper steps the credit agencies must delete inaccurate, obsolete and non-verifiable items from your credit report like they were never there. Once deleted, the creditors have a much tougher time getting these items back on your credit report, there is a much higher burden of proof on their part once an item has been removed and they almost never get removed items put back on your credit because of this.

One question that I am frequently asked is that “is this service just for mortgages” and I have to say, absolutely not! Your credit score affects almost every phase of your life from employment (some employers will not hire you for a $7 an hour job with bad credit) to insurance to your monthly minimum payments on your credit cards. I specialize in mortgages but will work with anyone who wants to improve their credit for any reason.

In today’s financial crisis, having a high credit score is more desirable than ever. Hopefully, things have not gone too badly for you but if they have, I can help.

This service is especially useful for individuals who are trying to purchase or refinance a home – that is my area of expertise and I can make your credit report approvable for FHA and conventional financing. I’ve been getting people approved for years, even in markets as tough as today’s.

We help with all types of situations.

· No matter how many negative and derogatory items you currently have on your credit . . .
· No matter how long you’ve suffered under crushing medical bills . . .
· No matter how bad, nasty or financially damaging your divorce . . .

We Can Help!

Realistically - there is no LEGAL way to boost your scores 100-200 points in two weeks by adding bogus trade lines and authorized user accounts – don’t believe all the scams out there that claim that there is.

Any individual can fix their own credit – the reason that I offer this service is that most people get frustrated with the process and give up before making any major changes to their situation.

I offer this service because I can use it to get you approved for an FHA mortgage or refinance. This is good for both first time homebuyers and individuals looking to refinance their current mortgages.

FHA mortgages are the way to go now that the market has dried up for people with less-than-perfect credit. If you plan to purchase or refinance your home in the foreseeable future with less than perfect credit, getting approved for an FHA loan might be your only option.

To get FHA approved you need to have a clean credit file – no open liens, collections, judgments or charge-offs. I can make that happen for you in 1 to 3 months – depending on the number of negative trade lines on your credit report.

I have recently added the option for more dire credit situations that may take longer to solve. This option is a one-year plan that covers the same bases as the monthly plan just in more depth and detail. The fee for the one-year plan is $499, which amounts to $41.58 per month, so it’s actually a better deal for those who have a high number of derogatory trade lines that may take a longer time to sort out. With this option the fee must be paid in advance in order to lock in the savings but many people find it worth it to pay a one-time fee rather than doing the monthly plan – if you are going to need the service for longer, this is the way to go.

Contact me today and we can see if this service will be right for you! I offer free consultations and can give you a pretty good idea what we can accomplish for you during our initial conversation. Your credit will only get worse if you don’t act now! 36

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