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Over the years we have been asked over and over again how to get someone’s credit up to a point where they can buy a home. This question has been asked so many times that “Credit repair Industry” has come about. Once the fix your credit crowd came along then we started hearing complaints of our customers paying hundreds or even thousands of dollars to have there credit “fixed”, and nothing ever happening. Well there are two parts to this statement that you should pay attention to.
One, is that “yes” you can get your credit score up, but no ones cares about this as much as you do. No matter how much you pay or being asked to pay. This process is one which any one can do themselves. This is why we have created the Credit Answers section to this web site. We have taken industry secrets of the Credit Repair Industry and placed them here on the web site so you can work on your credit for free.
Two, simply don’t pay. As I said earlier, this whole process is laid out to you here on the web site. The sample letters and the do’s and don’ts.
Make sure that you read all the information before proceeding, and if you have any questions please to not hesitate to call us. We will be more than glad to help out. HomeTown Mortgage Services, has spent years getting people the home loans they deserve and this is just a small way for us to say thank you.
Mortgage Credit Scores 101
Before starting on your goal to bring up your credit score, you must first understand what the mortgage companies are looking for. The credit score requirements to buy a home are very different than to those needed to get a credit card. So read Mortgage Credit score 101 to get a basic understanding of where your score needs to be.
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How To Write A Dispute Letter
Writing dispute letters to Credit Bureaus and Collection Company’s can be tricky at best. There are simple ways to make these letters more effective, and to keep them from falling into the pile of auto response letters that get sent out. You want to make sure that a real live human being has to touch your letters. Read this section so you can know what the “Credit Repair Experts” already know.
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Simultaneous Disputes
This is another tactic for you to use when disputing items on your report that may seem elementary, but it seems to continually work. The credit reporting agencies are constantly searching for ways to make the credit dispute process more difficult for consumers.
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Disputing Online
Now it may seem like online disputing is an easier and faster way to go about correcting erroneous accounts on your credit report, but your wrong. The option to dispute online was created merely to make the credit bureaus’ jobs easier, not yours. There is very little regard to consumer disputes when they are entered online.
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Do-It-Your-Self Credit Repair Kit
This will walk you step by step on the whole process. Remember read the above articles before you start and make sure you keep good records. I would also suggest that you start a folder at this point with a note pad strictly for the whole process.
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Sample Dispute Letters
Here are different dispute letters that our clients have used. Again I can not stress to you how important it is that you read the previous articles before you start. In this section you will see letters for medical collections, Repo’s, and 2nd and 3rd round letters as well.
Read Sample Letters
Secured Credit Cards
Secured Credit Cards are one of the best ways to jump start or rebuild your credit. All the information you need to know on how to get a secured credit card and how to use it is provided to you by Home Town Mortgage and is available to you with just one click.
Apply for your Secured Credit Card Here!
Being Financially Prepared
Getting Financially prepared before purchasing a home is a very smart idea. There are several things you and your family can do to ensure that the home you want is the home that you can afford. No one wants to buy a house and then 6 months later not be able to afford the mortgage. Home Town Mortgage has provided tools for you to get prepared to own your Alabama home.
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Credit Scores 101
Do you know what your credit score is? Have you ever seen a credit report? What’s good credit and do you keep it good? What’s hurting your credit and how do you get if off of your credit report? You have to power to affect your credit positively and we have the answers on how to do that!
Do you know Your Credit Score?
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At Home Town Mortgage Services we make it easy for our Borrowers to start the Home Loan Process. You are just one step closer to getting the Alabama Home of your Dreams. Apply today online!