What is it that you may learn when you partake in our “2 Years to 720 Credit Score” program? It will include lessons on:
What is Credit?
Not enough people actually understand what their credit is. They know it’s a number that when it’s high is good and when it’s low is bad, but they don’t understand how you reach that number. They also don’t understand what industries that rely on credit are looking for. It’s far more than just paying your credit card bill on time.
How a Mortgage Can Help You Raise Your Credit
If you were ever told that you can’t receive a mortgage on a house when you have a bankruptcy on your credit report, then you should know that is incorrect. We have had clients qualify for a home while they were going through the bankruptcy court process. You should also know that when you have a mortgage, you have an incredible opportunity to repair your credit.
Large loans like mortgages and car payments can be turned into positive credit as long as you are making payments on time. As you make those payments, your credit improves. The average person in Maui likely has a car payment or a mortgage. Credit companies do not consider these debts as negatives until you begin missing payments.
Won’t My Interest Rates Be Sky High?
Yes, you will initially have to deal with some fairly high interest rates, but thanks to our “2 Years to 720 Credit Score”program that will only be for a limited amount of time, any high interest rates you have on a car loan or mortgage can be refinanced. The best part? When you refinance to lower your interest rate, your credit score will improve even further!
There is no hidden agenda or hidden costs. We just want you to get the debt behind you AND position yourself to never have this happen again. We don’t just want to help you get out of trouble; we want to help you get financially fit FAST! At this point, you will have already taken the first step, which is to get rid of debt. The next step is to replace old credit with new and better information. Credit reporting agencies value newer information the most.
So, we will help you establish new credit. Then, by paying your bills on time, your credit score will improve regardless of your history — but the work does not stop there. You must fill the agency with positive information and take a lot of steps to remove inaccurate and negative information. This can be a complicated administrative nightmare that most consumers are not prepared to take on by themselves. But, you cannot trick the reporting agencies with credit repair programs. The bad stuff will eventually get back from the report if it is accurate. That is why we help you implement our strategies that allow us to offer such an impressive credit score potential because they are PROVEN to work to restore and rebuild your credit to a score of 720 or higher.
If you are ready to make these necessary changes to your life, then give us a call at (808) 518-4844. We look forward to speaking with you.