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I am about 69 point off from have a 620 score. I have with creditrepair company and they just rip people off is their anyone out there that will help, and not give the run around by snchrl_659_222 from Seattle, Washington. Apr 6th 2012 Reply


John Wagner (JohnWagner)
#58 ranked lender in Washington - 1 contribution

Hi, I have been in the mortgage business for 18 years and have hassled with "credit repair" companies more than I care to admit. I have narrowed it down to this. I will get you a 640 credit score or it's free. No charge. Call me when you have a few minutes for a consultation. I won't waste your time. Thanks, John 253 200 9000.

Apr 6th 2012
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James Barath (JamesBarath)
#9 ranked lender in Indiana - 352 contributions

Credit repair company bashing aside, improving your credit score to any given number is just the first step. Although someone may have implied that all you need is a minimum credit score, you will still need to credit qualify. If you don't understand what that means you simply need to work with a qualified mortgage professional who can explain it to you. More importantly, you need to work with someone who can provide the proper strategy to become credit qualified not just score qualified. Happy Good Friday!

Apr 6th 2012
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Paul McFadden (paul.mcfaddenmortgages@gmail.com)
#42 ranked lender in Washington - 45 contributions

My credit lady is reasonable and gets results. If you're interested give me a call at (425) 818-2251. Thanks!

Apr 6th 2012
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John Wallace (jwallace)
#59 ranked lender in Washington - 1 contribution

Buy this book "The Gorilla Guide to Credit Repair" it explains what you can do improve your score, its not easy to accomplish but you will find that if you are persitent and aggresive you can do it. I followed the books advice and it works.

Apr 6th 2012
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James you say put credit repair bashing aside, but what about the money I have sent on two agancy that did nothing for me or improve my credit...... agent give send us to people to help and all it does is hurt and pay a lot of money. I had a divorce and had to pay off a lot of bills and still no relief.. then you tell me (you need to work with someone who can provide the proper strategy to become credit qualified not just score qualified.) so you are telling me that all mortgage professional are not same, to help the person get a mortgage.

Apr 6th 2012
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,727 contributions

One of the biggest fraud and consumer complaints are with credit repair companies.. Best advice is to search the internet and whoever you find, go to Better Business Bureau and see what their rating is.. You will eventually find a reputable company.. WilliamAcres.com

Apr 6th 2012
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Bert Carpenter (BertCarpenter)
#1 ranked lender in Arizona - 1,908 contributions

First and foremost, you should not be using a credit repair company. In general, they collect your money and then simply try to dispute everything away. That won't work long term. The only ones that can properly guide you into what steps you need to take are licensed Mortgage Bankers/Brokers. Employees of the big banks and National mortgage factories are not interested in taking the time to educate you as to the steps you must take. As James alluded to, the score is the first step. What really matters is WHY your score is where it is. You need to find a local Licensed Mortgage Banker/Broker that is willing to work with you and give you guidance. Then you must follow their guidance and you will see the quality of your credit report improve to the point that you are able to qualify for a loan. In return, you should commit to working with this individual when you obtain financing. I don't lend in Washington State or I would assist you. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

Apr 9th 2012
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