Not Perfect Credit

Just because your credit isn't perfect does not mean you cannot obtain financing. Most lenders have special loan programs specifically created for the people with not so perfect credit. . In this case the rates will be higher and LTVs allowed will be lower.

Check with our Loan Officer for a loan program for you. Also, ask about Credit Analyzer, which may assist in improving your credit score.

Credit Reporting Agencies collect information about you and your credit history from public records, your creditors and other reliable sources. These agencies make your credit history available to your current and prospective creditors and employers as allowed by law. Credit agencies do not grant or deny credit.

The credit reporting agencies are:
Equifax
Experian
Transunion

CREDIT ANALYZER

Score Analyzer: The score magic system allows us to obtain a detailed analysis of borrower credit score along with suggestions on what actions will increase their scores and how much they may be increased.

Rapid Re-Score is a service that can have newly updated or verified information corrected or added to the database of all three repositories usually within 72 hours after disputes have been verified.

The benefit to Rapid Re-Score is that now all three repositories can "Re-Score" an applicant. It gives a control to finalize discrepancies, and allow applicants to qualify for more loan programs.

How Does It Work?
We will fax the Rapid Re-score Information request form with appropriate documentation and they will investigate the items in question as quickly as possible. Once the new information can be updated and verified they will make the necessary changes to the database of all three repositories. You can then retrieve the updated and re-scored report.

Are There Any Drawbacks (Guarantees)?
Please note that we cannot and will not guarantee that the Credit score on a newly update credit file will increase or even stay the same. Our subscribed credit company has no control on how credit scores are calculated and cannot make guesses on whether a score might go up or down.