Have you ever wondered how your credit ever came to be what is is today? Its amazing how some consumers can be almost identical in geographical, economical, and social levels and yet some pay much less for the same types of homes, automobiles, boats, business loans, etc., than others.
I am the branch manager of one of the largest mortgage brokers in the United States. I have been originating home mortgage loans for the past ten years and I've seen practically every credit-related problem that you can think of. Believe me, I've seen credit reports showing deficiencies for unpaid utilities, cable TV, cell phones, car loans, home loans, student loans, identity theft , credit cards, and even Kentucky Fried Chicken . . . no, just kidding:) Seriously, only God knows what's in store for us and sometimes credit problems like these are unavoidable.
I enjoy the opportunity to help people whenever I can. I've helped many people solve their credit problems by suggesting small things that they can do to improve their credit and increase their credit scores. Recently, I helped a husband and wife raise their credit scores from 580 to over 660. As a result, they were able to get the lowest fixed rate available at that time and save over $60,000 over the term of their loan. Believe me, they are happy campers because their previous interest rate adjusted so high they could no longer afford the payment. Sound familiar?
It doesn't matter how bad you think your credit report is, there are simple things you can do to improve it. Simple things like splitting your monthly credit card payment into three payments within the same thirty day period will increase your score. Credit card companies like this a lot and it also has a positive effect with the three major credit reporting bureaus. Did you know it is possible to get a high credit score even if you have no credit at all? A client of mine came in to get a loan, but he had no credit score at all because he did not have any open lines of credit. He ended up with a credit score of over 700 when he requested his name be added to the account of relative who had credit cards. From there, he was able to request his own credit cards and maintain his high credit scores.
Most credit repair professionals don't offer help people for free, but I disagree with that. I was taught long ago that in order to be blessed, I should at least follow the Golden Rule, and that is, to treat others as I would want them to treat me. However, I know I can be blessed even more if I give more onto others than I should expect in return. In addition, I thank the Lord each and every day because I know he has improved my life from yesterday to today and I know that whatever He has in store for me tomorrow will be an improvement over today.
Thank you for visiting my blog and if you have a question about your credit, please leave a comment at the bottom of this page and I will get back to you.
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