Best of Luck, I know they will take good care of you.
The Kinslow Team
Key Real Estate Group LLC
Ryan D. Keip
Precision Credit Group, LLC
It depends on the severity of the credit repair. We help our borrowers with a free report called "credit analyzer" and sometimes there are some simple things like paying down balances, that can raise the score to the needed level instantly or over time. If the credit problems are more severe, we happily refer to Aaron or Matt at Promerit Solutions.
Senior Credit Analyst
Office: (720) 746-9214
Cell: (303) 579-7135
Let me know if you'd like me to email their contact information to you.
Cherry Creek Properties, Inc., Denver, CO
Moral: Continental did not obtain the better score, they are a scam. The person who obtained new credit saw great improvement. Do it on your own. Don't pay anyone to instruct you to obtain new credit.
I was referred to them from a Home Loan agent and it was a waste of money. It's almost a scam. They can't prove they work on your credit but collect money. After 1 year, my score is the same.
I think they are only in AZ but it might be worth it to have a look? If you can use them you won't be disappointed.
I recently decided that I wanted to buy a house, my mid score was 623. Most of the items on my CR were from a failed business, and had been on the report for 5-6 years. My loan officer referred me to a company that she sends her clients to on a regular basis, Continental Credit. I have always been skeptical of these companies, but I gave it a try. They have been amazing, my mid score went to 688 in under 3 months. Mind you most items were quite old, as I said 5 years or more. They are diligent, easy to reach and very responsive!
The best Credit Repair Company in the Denver Metro area is A Better Credit Repair Service. They have an "A" rating with the Better Business Bureau and in fact have never had a complaint filed against them. Their fees are the most reasonable in the country. Their website also has a questions and answers section that will describe any question you might have.
They are also one of only a couple credit repair companies nationwide who will work to get negative items removed and scores raised within 60-90 days. Their contact information is listed below.
This one is not local, but are Linked in associates. I have been impressed with their services and program so far:
Key Credit Repair
Taghi Shaw - 617-326-3607
Good success with getting the items taken care of.
Robert McGuire ASR
Your Castle Real Estate
Direct - 303-669-1246
First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.
Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website. http://www.consumer-action.org/
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm
The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.
The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.
Lynn911 Dallas Realtor & Consultant, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
I agree with Kris Andrea and Julie Reddington below. Ryan Keip is where I send all of my potential clients needing credit repair. He has successfully negotiated to get credit repaired and knows how the Fair Issacs system operates. He is also a qualified CE instructor in many states.
He can be reached at: Yes. Ryan Keip with Rise Financial. His # is:303-888-6572.
Tell him he was recommended by Kris, Julie and me.
All the best in 2011.
Sebastien Guite with Continental Credit
Hope it helps!
The Bandy Team