The Credit Repair Process

The credit repair process we use is unlike any other out there as we work directly with mortgage lenders with one goal in mind:  To qualify every single person that enrolls in this program for a home loan at program completion.   The Credit Update is designed to make the credit restoration process as quick and painless as possible for every client.   Once you enroll in our specialized program here is the process you can expect to go through in order to reach your goal of homeownership or a lower interest rate through a refinance:

Step 1

You will have a one on one consultation with one of our preferred mortgage consultants to determine whether or not credit restoration is the best choice for you and your family.  Our philosphy is credit repair is not a requirement for every person and it should only be used as a tool to help you reach your mortgage goals.  If you do not need credit restoration we will not enroll you in the program.  This consultation will involve pulling a full mortgage trimerge credit report, reviewing the report with the customer, creating a verbal plan of action, and setting basic time frames for credit restoration.

Step 2

Once you and your consultant have decided that credit restoration is necessary to meet your mortgage goals the next step is to enroll in the program.  The enrollment process is very easy and straight forward.  You can click on the "Enroll Now" button found at the top of this page to get this process started.   Please make sure you remember your login and password as you will be returning to this sight often for updates.  You can choose between two different enrollment options:  single or joint credit restoration programs.

Step 3

Once you have enrolled and chosen the program that best fits your needs our Credit Restoration Specialist will contact you to introduce themselves and get the program started immediately.  This website allows our specialists to communicate with you in one place so there is no confusion as to what is going on and you are kep up to speed from start to finish.  Using your login and password you will be able to see the customer portal that allows you to see up to the minute details on your credit restoration process, ask questions and get updates in real time.    This is very important as communication is the key to our success.

Step 4

You will be mailed a packet by our Credit Restoration Specialists detailing the Road Map to Credit Repair which lays out what will be done in order to bring your scores up to mortgage qualifying standards.   Everything will be completed for you and on your behalf and the package will give you specific instructions on how to send out the information to the three credit agencies.   The only thing you will really have to do is sign, date and mail them out.   Our system is designed to be a simple and painless as possible which allows our company to have a much greater success rate than other credit repair companies.

Step 5

Once you have mailed out your packet to the three credit reporting agencies it becomes a waiting game.  The credit agencies have 30 days by law to investigate and address any issues on your credit that we inquire about though the credit restoration package.  In most cases you should receive an update credit report from Trans Union, Equifax and Experian within about 35 days of your initial package mail out.  Once you have these in your hand it is important to either upload them to you customer portal of email them to us for review.  This information will let us know what kind of progress you currently have on your credit.

Step 6

Assuming your credit restoration is complete our mortgage partners would then get you fully qualified to purchase a home.   Not every credit report can be repaired in one mail out and some require multiple packages and letters to be sent.   Our specialist will continue to help you navigate through this process in order to reach your goal of homeownership.  Our specialist can also negotiate on your behalf regarding chargeoffs, collections and judgements when they need to be paid off.  We are a full service credit restoration company and we have one goal in mind:  To Help You Qualify For a Home Mortgage.