Liberty Credit Repair

How Resellers Improve Credit Scores For Mortgage Buyers

Big mortgage companies was pressing CRAs (Credit Reporting Agencies) to allow fast re-scoring for their clients to get them approved for mortgage. As a result now we have a 3rd party facilitators called “resellers”. Resellers help mortgage prospects to improve their credit score. They are paid by mortgage lenders. They are not allowed to advertise their services to general public.

Resellers can achieve fast results because they receive “preferred” fast service from CRAs (they don’t have to wait 30 days), and because they concentrate on activity which provides fast results. You can achieve the same results (it will take just couple of weeks longer). Here are the main focus points:

(1) Late payments – make “Good will” request to the lender (credit card company) to remove it.

(2) Make a payment on an account – and get a signed letter.

(3) Maxed out or high balance on revolving account (more than 30-35%) – pay, get a letter.

(4) Account that has been paid in full, but shown as having a balance – request a letter from the creditor confirming that the account is paid in full. Be careful about old ‘charge-offs’: if they are old – better let them stay ‘as is’. For more details why look here: http://www.101creditrepair.com

(5) Account which is not yours – dispute.

(6) Records which are too old (for example, an account beyond 7 year limit) – ask to remove

(7) Other accounts that should not be in report, for example a collection that has been already paid to another collection agency.

(8) Multiple references to the same account – dispute.

(9) An account on which you are only an ‘authorized user’. Authorized users are not legally obligated for payments. Yet the FICO scoring model still scores authorized user accounts as if they were joint users. Dispute.

For more information visit http://www.101creditrepair.com

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Start with getting your 3 credit reports and 3 FICO scores from http://www.myfico.com. Once you received and analyzed the information – follow these 5 steps:

(1) Late records. Call your lenders and ask them to remove the late records in exchange of you making the payment. Or just say that you don’t recall being late. It may be as simple as a phone call.

(2) Settle with lenders. Negotiate that they will remove the bad records from your file retroactively instead of just reporting the debt as “paid in full”. The original creditor has the power to do this (completely dismiss all bad records related to the account). Also important is to get their promise in writing before you pay them. Usually it is a signed letter on a letterhead sent to you via fax.

(3) Dispute with CRAs. Do this by writing letters, providing proof – and sending them via certified mail so that you will have a confirmation of delivery for your file. If you do it right – the agencies will have to verify the facts and remove mistakes in no more than 30 days. In the guides on our web site ( http://www.101CreditRepair.com ) we provide sample letters and explain the tactics.

(4) Get more positive records – ask the lenders or vendors with whom you have good standing to send good information about you to credit agencies, or simply give you letters which you can forward to credit agencies yourself. This tactics is usually overlooked – but it is effective in shifting your good-to-bad balance.

(5) Reduce your revolving debt-to-credit ratio to less than 35%. Just one maxed-out credit card can reduce your score by 30 points. Partially pay it – or redistribute your debt between accounts. Note – opening new credit card accounts and moving balance into them has negative effect on your score. But may reduce your score. beif getting new cards – don’t get more than 2-3 at a time – and then wait 3-5 months before applying for more. Remember that opening a new account and moving balance into it can by itself reduce your score.

The above 5 simple tactics will work for most people and will provide fast results. For more advice on improving your credit score and cleaning your credit history visit our web site http://www.101creditrepair.com .

Note: lenders often send info to CRAs only once a month. For faster results ask for letters which you can send to CRAs yourself.

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