This section on credit repair is how you, without spending a lot of money, can work to improve your credit scores. Most people come to us because they want one thing. They are looking to purchase or refinance a home. In order to do that 95% of the population needs to get a mortgage. Lately it seems the only people we talk to are ones who had something change in their lives: lost a job, suffered a severe illness, death of a spouse or the biggest one - their interest only loan isn't interest only anymore!

With foreclosures at their highest levels in years, people are finding that their once nice 660+ credit scores are long gone. One late payment on a credit card, mortgage or auto loan and all of a sudden that nice 660 credit score is more like 560.

One client had her credit score drop when she suffered from identity theft, the thieves stole more than her credit card, they got a hold of her bank debit card and quickly cleared out her checking and savings accounts. Without the money to pay the mortgage, credit card and auto loan for even one month, her brilliant credit score of 696 was reduced to rubble as we scrambled to refinance her house that had a balloon payment due. Luckily, the existing lender agreed to work with her by granting an extension on the balloon payment, however, the damage was already done. Why? Because her credit score sank to 530 and NO ONE would lend her the money. We were able to refinance her out of the high interest rate balloon payment loan and are still working with the credit bureaus to correct the information on her credit report.

If you are willing to commit to the time it takes to restore your credit and your good name, then you have come to the right place. In the next few seconds you are going to get the most powerful piece of information, for FREE, that will make the most difference on your credit report quickly.

1. If you are shopping for a mortgage and have been turned down, STOP! Stop letting people pull your credit report. You aren't going to get the next broker or loan officer to come along and magically grant you a loan.

2. Start working to fix the problem. Knowing why your credit needs to be repaired and how to repair it is half the battle. You do this by looking to see what is causing your credit scores to be so low. Do you know what to look for? Probably not. This is where we can help.

Most people know what their credit score is before they come to our website; therefore, WE DO NOT pull your credit report from the start. Our job is to make sure that you stop the bleeding of all these other people that are out for the all mighty quick buck. Most people don't realize that by doing nothing has a longer lasting effect on their credit report than doing something. If you are determined to purchase a home or want to refinance again let's work together to get your credit scores up and learn how to keep them up!

The first thing we suggest you do is go to www.annualcreditreport.com at least once a year. It is free and the ONLY place that the government allows to give a free annual credit report. Did you know that if you pull your own credit report it doesn't impact your score? That's right, a simple loan inquiry can lower your score 7 - 10 points!

If you have low credit scores and want a FREE evaluation of your credit report, contact us now by completing the short form below and then email or fax a copy of your most recent credit report. We will perform a through review of your credit report and let you know how to do credit repair without paying someone a lot of money. If you do need your credit fixed quickly, we do have a program for that, but it only works if you are purchasing or refinancing a home.

• Explore other Credit Score Topics
• Learn about Loan Types
• Determine if you want to be pre-qualified or pre-approved
• Learn about the Tax Advantages of Home Ownership
• Submit A Loan Application