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Credit Improvement

We do credit improvement to get you the best mortgage terms (rate usually) - or to get you in a position where you to qualify for mortgage financing. It takes 10-180 days, and costs zero - $2,000 total, depending on what it takes to get you Mortgage Ready. Most of my clients just get advice, and spend nothing.

Below is a simple graph depicting the process. The thing to remember is that credit improvement is a sophisticated process, there are no size fit all solutions, and sometimes the things that would appear to make perfect sense can have outright disastrous consequences. Please do not go it alone, contact me first, my consultation doesn't cost you anything.

In short, credit improvement consists of the following possible elements. Our approach is holistic and customized for each situation, incorporating the right mix of the 4 elements that "get you there":

  1. Best credit habits (Self-help for which I provide coaching)
  2. Add good accounts (Self-help for which I provide instructions)
  3. Remove bad accounts (Credit repair, or self-help for which I provide instructions)
  4. Perfect credit report (also called "Rescoring", maximizing credit scores through temporary credit profile improvements)


credit_improvement_process.gif


The more time we have the better a job we can do, so if you want credit improvement contact me right away so we can start the process. Don't delay! Like Johann Wolfgang Von Goethe said: "What is not started today, will not be done tomorrow".