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Forums in 'Credit & Debt Advice'
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Bad Credit Credit Cards
Re-establishing your credit with secured credit cards is the fastest and easiest way of re-establishing your credit after bankruptcy, foreclosure, deed in lieu of foreclosure, short sale, or periods of bad credit. Adding yourself on as an authorized user on a family member's credit card can also boost your credit scores and re-establish your credit.
Secured Credit Cards To B...
by Gus
05-29-2015, 04:05 PM
Credit Repair
Credit Repair does work and The Gustan Cho Team at CrossCountry Mortgage Inc. NMLS 3029 can refer you to some outstanding reputable credit repair companies. Keep in mind that you cannot have credit disputes on non medical collection accounts that total more than $1,000. You cannot have credit disputes on charge off accounts either. Medical collections are exempt from credit disputes. Another thing you need to keep in mind is that all mortgage lenders will do a third party national public search so if you were to delete public records such as bankruptcies, foreclosures, and judgments through credit repair, lenders will find out when they do third party search through Lexis Nexis and/or data verify. Post your questions on this thread and we will be happy to assist you in answering any questions you may have.
Credit Repair and Qualify...
by Ldstepp3909
09-22-2016, 12:16 PM
Credit Card Debt Consolidation
If you have equity in your home, you may want to do a cash out refinance and pay off your high interest credit cards. Before you go into arrears, contact us or list your concerns on this thread where we may have an option for you before your ruin your credit.
by Gus
10-14-2014, 09:44 PM
Debt Management
Debt Management is a unique strategy developed to help a debtor manage their debt. Debt Management is a strategy that is usually developed and implemented by an outside company or organization on behalf of the debtor, usually because it is the debtor that is unable to sufficiently manage their debt on their own, due to extenuating circumstances or of their lack of knowledge or because they are overwhelmed by the amount of debt.
by Gus
10-11-2014, 01:26 PM
Debt Settlement
Most lenders consider debt settlement same as a bankruptcy. Debt Settlement will have a negative impact on your credit and late payments will remain on your credit report for a period of 7 years. List your concerns on debt settlement on this thread and our experts will guide you the right way.
Tax Settlement By Arlene ...
by Gus
06-16-2016, 03:28 PM
General Credit Advice
Credit is extremely important when it comes to qualifying for a mortgage. Lenders do not just look at the borrowers credit scores but will evaluate the overall credit history of the borrower. One 30 day late payment will remain on your credit report for a period of 7 years. Most lenders want you to be timely on all of your payments for at least 12 months before they qualify you for a mortgage. For any general credit advice, please post your questions on this thread and our credit experts will advice you the proper way.
by MSY65
02-20-2017, 01:55 PM

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