TransUnion, Equifax, Experian about collection companies linked to you

TransUnion, Equifax and Experian lied to you!!!

During these VERY DIFFICULT times of real estate and mortgages, what is the one PROVEN WAY that will really help you improve your credit scores and help you fix your bad credit?

The answer is: you must FIX your bad credit and rebuild your credit reports the RIGHT WAY. If you can legitimately fix your credit, then YOU can buy a house in 30 days to 6 months from now, right? Since most Realtors know very little about GENUINE credit repair, let a real credit expert share with you what it “really takes” to legitimately repair credit…

As one of Denver’s leading real estate agents and owner of Mortgage Specialists, I have personally closed nearly $100 million in real estate and mortgage deals since 1998, since I earned my Bachelor of Science from The Ohio State University and my MBA. My professional experience in mortgages helped me become a true expert in credit repair and I have helped thousands of people across the country to repair their credit to obtain mortgage financing. You can read much more detailed information about my Credit Repair System here, but let’s cover the basics so you can fully understand how you can increase your credit score by 25-100+ points or more, and ultimately buy a home this year, like statistics. show that 26.7% of all buyers have problems with credit reports that prevent them from buying. The top 3 reasons buyers have credit below 620 is because:

o Not paying your bills

o Had a period of time that he (or your spouse) was unemployed or had a medical condition

o They don’t know how to positively “manipulate” their Equifax, Experian and TransUnion scores

People who don’t pay their bills will take enough responsibility to stop renting and work to repair their credit. We can help the other two categories! You’ve never had anyone guarantee that you could get help fixing your credit once and for all, so YOU ​​can buy a house and stop renting forever. Now you can…

First of all, you have TWO GIANT ISSUES to deal with when trying to fix your credit reports.

1) You MUST clean up and fix old collections and derogatory items to improve your credit scores,

2) You ABSOLUTELY MUST have a strategic plan for implementing the internal methods and rating formulations of TransUnion, Equifax, and Experian that radically raise (and lower) your credit scores on a monthly basis.

Almost ALL of the credit repair companies and attorneys on Google, Yahoo, MSN, and the ones listed in the local yellow pages charge you a fee to fix problem #1. #1 above (which anyone can learn and do if they spent an hour reading about credit repair online – which I’ll show you next!)

But Here Is The REAL Problem…

If you ONLY try to fix Problem #1 above, as 98% of ALL Americans do by mistake, then you will most likely NOT qualify for a home loan after paying $1,000-$1,800 at these auto repair companies. negligent credit. You absolutely must understand this – and that you have to “kill the beast” that caused your bad credit AND – yes AND, you must take a proactive and immediate new plan to see your scores skyrocket in the coming months. If you only do #1, then your scores will NOT go up that much…

You MUST FIX BOTH Problem #1 and Problem #2 to radically INCREASE your credit scores! Am I totally clear on that point? Here’s why you should fix both problems…

Most credit repair companies WILL NOT TELL you this when you sign up to use their credit repair services! Why don’t they do that? After all, that’s why 99% of people repair their credit in the first place; in order to qualify to BUY or REFINANCE your home or car!

The answer is simple… most credit repair companies have NO vested interest in your ability to get a mortgage or car loan! A vested interest means they would be working 100% on your side to help you do whatever it takes to get a home loan or car loan for $1,000 to $1,800. Guess what? They are NOT in the mortgage business. They are in the credit repair business and AMAZING – they WILL NOT do what it takes to get you a mortgage or car loan if you hire them by mistake.

“PLEASE” Don’t let them ruin your chance of getting a home loan!

In fact, almost 95% of these bad credit repair services give you VERY INACCURATE information that will get most of you “disqualified” for a home loan, just the opposite of what you really want! I couldn’t print that statement if it was false or everyone would sue me for liability. But guess what, I’ve been doing expert credit repair for my mortgage clients since 1998 and we really help our clients GET mortgage loans after we HONESTLY repair their credit.

Let me give you a quick idea of ​​how I just helped the Harrises in Houston, Texas as they had been turned down by 4 other lenders until I got the phone call. They had a median fico of 658 (a good score) when I started with them on February 8, but their credit score and debt-to-income ratio were too high to qualify for the $280,000 house they wanted. I asked them to pay off a 401(k) and pay off (don’t cancel!) 5 of their high balance credit cards at my ‘magic formula’ percentage, plus pay off an outstanding $198 old medical collection that was about a year old . Now, they have a 699 mid-fico when I just rechecked their credit reports on March 31st. Coincidentally, their minimum monthly credit card payments have also DECREASED significantly, and NOW the Harrises DO QUALIFY for a 30-year fixed-rate conventional loan at 5.875% at my company. This is what I do for a living…and why I do so many mortgage deals (and real estate deals in Denver).

You see, I can look at anyone’s Combined Credit Reports and in 2 minutes tell you how many points I can INCREASE your scores by doing proactive credit repair, and I can give you an accurate estimate of how many months (or years) it will take them to qualify for good credit. FHA loan or other loan. I am so confident in my credit repair skills that I am the only credit repair program in the US that guarantees them a good home loan. I DO NOT do the stupid credit repair scams that dispute “actual charges and charge offs”… as that never fixes anything! I really show buyers how they can legitimately “rig” their credit reports by paying off credit cards below 50%, adding car loans to get new credit after 6 months, getting 2 secured credit cards and other ‘secret’ things ‘ that work, but it takes time!

I can usually help a lot of people become buyers in 3, 6 or 9 months of REAL credit repair. And since 26.7% of all potential buyers in the United States need credit repair help, you might as well work with a partner who actually wants to help YOU sell them a home and earn their real estate commissions. With my personal PROVEN credit repair strategy and credit score improvement system, and my 9 year track record of success, I will genuinely help your agents sell more homes. You and your clients receive a written credit analysis once I get your credit and determine “what” will be needed and how long it will take me to help you get a home loan.

So if you’re interested in selling MORE homes during these tough real estate and mortgage times, email me or read more about credit repair help here.