Increase Your Credit Score By Handling Credit Cards Wisely

On July 6, 2011, in Credit Repair, by Justin Velthoen

To increase your credit score and become a more qualified home-buying candidate, there are a number of major financial fixes you can make, from restructuring your current home mortgage to paying down or eliminating major sources of debt such as car loans or an equity line of credit. But those are major steps, typically easier […]

Loan Modification: The Pros and Cons

On May 4, 2011, in Credit Repair, by Justin Velthoen

To a homeowner already in foreclosure – or even one who can foresee foreclosure fast approaching – the prospect of a loan modification might seem like a Godsend. Suddenly, the inevitability of losing your home disappears, providing a fresh start with a current mortgage that lets you breathe easier because of its new terms. When […]

You Credit Score, How It All Adds Up

On April 30, 2011, in Credit Repair, by Justin Velthoen

Swimming through the sea of numbers that ultimately decide your credit score, itís important to remember one thing: decisions you make every day really do matter. The temptation for many people is to get hung up on the mathematics of formulas like loan-to-value and debt-to-income ratios. And itís true, those numbers do matter when the […]