The Credit Update is here to help you qualify for a mortgage, plain and simple.   We do not waste your time or money sending random disputes and charging you a monthly on-going fee.   Instead we help you build a plan that addresses your entire credit profile including: original creditor disputes, debt validation, deletion of erroneous accounts, debt negotiations, and we help you establish new credit.  Credit scores are the most important factor in qualifying for a new home loan and we have the systems and programs in place to help you buy your new home.  Our program is so successful that we qualify over 94.6% of our clients for a new home purchase as soon as they complete our program.

Here is how we repair and re-establish your credit in order to give you the necessary credit and credit scores to move forward in your home purchase. We call it the Road Map to Credit Repair and it’s the most complete credit repair program available.

Here’s how our 5 step credit repair program works…

Step 1: Develop the Plan
You will work one on one with a personal coach to develop a plan that works for your unique goals, budgets, and circumstances.  We will design the plan around your needs and help establish a realistic time frame for completion.  Most of our clients complete this entire process in less than 60 days but every credit situation and time frame are different.  This plan is designed to improve your credit profile, raise your credit score and help you reach your goal of home ownership as fast as possible.
 

Step 2: Credit Repair Services
We do not send mass mailed generic dispute letters to credit bureaus like other credit repair companies do as this damages your ability to buy a home.  We design letters of dispute to get the highest rate of return and we target accounts that will generate the greatest impact to your credit scores.   To get the best results in the shortest amount of time we create a customized repair system for your individual credit needs which may include direct communication with your creditors and targeted negotiations. We work diligently to address all of your credit restoration needs.
 

Step 3: Debt Negotiation
During the credit repair process we will also work on any outstanding collections you may have that will need to be paid or deleted in order to increase your scores and help you qualify for a home loan. We can negotiate on your behalf to help settle the necessary collections and in many cases we save our clients hundreds if not thousands of dollars in the process.  We will not put you on a repayment program for these collections as paying monthly for a past collection will continue to keep your credit scores low.  In many cases not every collection will have to be paid as our experts will choose only the accounts that are necessary.  Our credit restoration experts will also be happy to explain the credit scoring model and why some items are more important than others.
  

Step 4: Establish New Credit
Cleaning up your credit report and getting rid of old debt can make a big difference to your credit profile, but adding new, positive credit will take you even further. Regardless of your credit history, we can help you get approved for new credit lines such as credit cards in order to strengthen your credit picture even more. 

Step 5:  Move Into Your New Home
The hardest part is over.  Once you have completed our program and stayed on course all you need to do now is apply for a mortgage loan and move into your new home.   Remember, we specialize in helping our customers qualify for a new home loan and you can feel confident that we will get the job done.   We work with lenders and real estate professionals that help our clients qualify for and purchase their new homes every day.  Give us a call today to get started; the only thing keeping you from your new home is not picking up the phone!

Local Phone: 512-591-8223