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REPAIR CREDIT

Credit repair is a difficult, time consuming endeavor -- but there is hope!.  Also information on credit reports, mortgage calculators and shopping for a home loan

How do I repair my credit?

To dispel any myths, there are no quick fixes to repair credit. Credit repair requires time and money. Nearly everyone has items on their credit report which are not quite correct. Individuals can dispute these incorrect items. The credit reporting agencies such as Experian, Equifax and Trans Union then have 30 days to investigate the dispute. In many instances, for whatever reason, the dispute is not resolved within 30 days. In that case, the credit reporting company removes the disputed item from your credit report. This process is repeated over and over. It works, but it takes time and some money. It is highly recommended that work with a REPUTABLE professional. . 

Great Homes in Colorado has researched several companies and found that Lexington Law has a great reputation and record of success.   Most engagements take 3-9 months, which really depends on the amount of credit repair that is needed. Please click on the banner below for more information on how to repair your credit through Lexington Law. 

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CREDIT REPORTS

What is a credit report?.  There are 3 companies that monitor your credit: Experian, Trans Union and Equifax.  Different mortgage lenders / mortgage brokers use different companies.  That's why it's important to  make sure you order a 3-in-1 credit report.  A 3-in-1 credit report will pull your credit report from all 3 companies and pull all the data together into one credit report.   The price is usually around $35.00.  For your convenience, Great Homes in Colorado recommends CreditReporting.com, click on the banner below to order your 3-in-1 Credit Report for $34.90.

  Visit CreditReporting.com for your 3 Bureau report

Because it's important to safeguard the security of your credit report, creditreporting.com will ask you many questions to assure that you are who you say you are.  Please be patient and have your financial and loan records close at hand.  Additionally, if you have moved recently, changed jobs and / or phone numbers, this information will most likely be required as well. If creditreporting.com is unable to verify your information, they will probably mail  you the report.  However, in most instances your credit report should be available for immediate download, printing and reading!

 


MORTGAGE CALCULATORS
Mortgage calculators are free and easy to use!  Also information on credit reports, credit repair and shopping for a home loan

Estimate Monthly Payment and Affordability. Use our online mortgage calculators to get an idea of how much home you can afford, what your monthly payments will be and savings that result when you pay just a little more each month to pay down your mortgage early.


SHOP FOR A MORTGAGE

When shopping for a mortgage it's important to know that different lenders have different programs and different rates. Just like shopping for car insurance, it's important to shop around for the best mortgage rates and terms.  Great Homes in Colorado has spent a considerable amount of time researching various services that match homebuyers with lenders and/ or mortgage brokers.  We've concluded that TheLoanPage.com does the best job of providing homebuyers with the most choices for a mortgage loan.

Click on the TheLoanPage.com banner below and fill out the short Mortgage Quote Form.   This information will be submitted to lenders who provide mortgage services in your area.  They will provide you with a "customized mortgage quote" based on your specific needs and situation.  It's simple and you are not asked for your social security number or anything like that.  Lenders in your area will contact you via phone or email to see how they can help finance your home purchase.

click for your no obligation quote

 
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