What would you most like to accomplish AFTER rasing your credit score?

1. Just settle debt
2. The financial well being we used to have, and minimize the amount of debt we incur from here on out.
3. buy a home
4. refinance mortgage
5. Purchase a home
6. Purchase a home, we have medical bills with liens from long ago. over $6K worth. They are preventing me from getting a Habitat for Humanity Home.
7. purchase business
8. Purchase a home
9. Would like to start looking for a new car and eventually a house as well as being able to apply for lines of credit to have just in case a problem arises where I need emergency funds…ex: car repairs
10. get a home
11. Get a promotion
12. purchase home
13. mortgage my lease to purchase home with increased score.
14. Get a credit card to pay off the ATV loan that my exhusband defaulted on.  Then sell the ATV and pay towards the loan.
15. purchase new vehicle and home
16. Help others
17. Purchase a home
18. self esteem
19. in forclosure, need to save my home if possible. Am now sueing in state and federal court for fraud, etc.
20. buy a home
21. large purchases
22. Buying a home, having credit cards.
23. purchase a car and get some credit cards
24. purchase a home and a car
25. BUY HOME
26. I would want to accomplish buying a new house.
27. New home purchase…will have to short sale home (included in BK) soon, one year after discharge.
28. raise my credit score so that we can qualify for our new mortgage
29. Apply for a mortgage
30. Buy a house

And how about you?  What would you most like to accomplish after rasing your credit sccore?

Register for our FREE CREDIT REPAIR SEMINAR and…

Obtain a FREE CONSULTATION with Brian Aber of HTDI Financial (optional at your request).

Hey Brian,

Does disputing a high percentage of derogatory accounts reporting on a credit report invite the credit bureaus to dismiss your dispute a Frivilous? Is it better to go after a few at a time or is it OK to dispute most if not all of the derogatory credit items?

Peter (more…)

Hey Brian, 

Once a negative item has been deleted from your report how long does it take for your score to go up?  If a bureau has not replied within 45 days a reinvestigation via mail is it true that those items have to be deleted by law. I hired a credit repair company and she said to just pull a new report in which they have not made any changes. Responding via mail means nothing the USPS can be slow. 

What are your thoughts? Please advise?  I always thought they had to be deleted because of no response isn’t that true?

Thank-you Kindly!

Diane (more…)

Hello Everyone,

My friend Brian Aber with HTDI Financial has extended the free credit repair offer until the end of July.  If you are looking to have your credit report restored FREE of charge, then check this post to see if you meet the criteria and send Brian an email or give him a call.

Did I mention it was FREE?

Check it out and then once your report is cleared and your score is in the 700’s, maybe you’ll be kind enough to post a testimonial for Brian.

These are my own words and this post is not an advertisement for HTDI.  This is a Broken Credit Blog contest to see who is the best credit repair company period.

Thanks and let the contest and FREE credit repair continue till the end of July!

Paul Jerome
Broken Credit Blog
www.BrokenCredit.com

I have hired a credit repair co to dispute my negative info.

Experian was sent letters on may 29,2009 unsure of when they received it sent it certified.

Still no response(today is july 16,2009) what is the latest they can reply to be in compliance w/the ftc?

per the credit repair co they have till july 23,2009 is that correct? please reply.

thankyou!!!

Diane (more…)

        Brian C. Aber, with HTDI Financial and the National Association of Credit Services Associations is giving away 6 months of free credit repair ($773 retail value) to a lucky individual.  Please e-mail 2-3 paragraphs on your situation and why you believe you can benefit from credit repair.  The deadline for all entries is 12PM PST on 07/10/2009.  The chosen person will be announced on July 15th on this forum, after we have contact you directly.  On the forum the winner will only be identified only by their initials and the type of negative items they currently have.  An update will be posted after the 6 months have been completed showing the results, but again without personal or specific account information. 

        Please see the eligibility requirements below and please submit your contest inquiries to brian@htdifinancial.com.

The requirements for eligibility;

1. Six months since the last derogatory item was placed on the report “date of last activity (DLA)”
2. You are in a comfortable financial position with no future negative items expected.
3. Have at least 5 negative items on each bureau.
4. Sign our contract allowing us to work on their behalf.
5. Be able to provide 2 valid proofs of address (this can be their Drivers License if current and an electric or gas bill)
6. Provide a proof of social i.e. social security card, W-2, tax return (anything with the full name and full social will work)
7. Provide a tri-merge credit report that has been pulled within the last 30 days
8. To allow us to provide a status update after the 6 months have completed showing the fixes and deletions, while only using initials as identification.

Good luck to all and I wish you the best of luck,

Brian C. Aber
Senior Account Executive – HTDI Financial
Charter Board Member – National Association of Credit Services Organizations
877-877-4834 x704
brian@htdifinancial.com

The Declaration of Independence was the document that announced to the world the American colonies status as free and independent states.  It was adopted in Congress on July 4, 1776.  The final sentence reads: “And for the support of this declaration, with a firm reliance on the protection of Divine Providence, we mutually pledge to each other our lives, our fortunes and our sacred honor”.

(pause)

I want the best for everyone everywhere and this article won’t travel down a political road, other than to make a comment that we, as a people, have become complacent.  I’m reminded of these words: “But many [that are] first shall be last; and the last first”.  I’ll now turn this article’s steering wheel into the Personal Finance Path.  Woah!  Look out!  It’s a rocky road and for some there’s a roadblock up ahead.  Fortunately, with a little maneuvering, the roadblock can be avoided altogether.  And don’t ask me about the cliff – we’ll get to that later.

The Broken Credit Blog is thankful for the many positive responses from readers who’ve shared true to life experiences of how they’ve triumphed over adversity.  It’s the goal of this site to be a positive voice in the marketplace sharing free information to anyone desiring credit score improvement.  This month marks our forty-second-month on the internet and we’ve recorded over two million hits in one month.  We are at the same time, amazed and thankful – it keeps us writing and working for you.

In my view, personal finances are similar to personal fitness.  I regularly see people working out at the gym with a personal trainer.  The same trainer may be working out with one person on one day and another on another day.  Regardless of that person’s fitness level, the trainer’s goal is to improve that individual at that time.  It doesn’t matter how out-of-shape or how Olympic-world-champion someone might be – the trainer’s goal is to assist that person with improvement.  Such is the same as the Broken Credit Blog’s role.

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So, wherever you are, and whatever your station in life, this trainer wants to see improvement in you.  I hope everyone enjoys their 4th of July and remembers what prompted the celebration in the first place.  Now then, after everyone has finished eating hamburgers and hotdogs, it’s time to start working out.

Hey you with the 672 FICO, give me eight more reps!

I have been in Escrow for the past six months. We were approved by a private lender and the BOA through the builder.  We have not been able to lock in a rate and we have not chosen our loan agent yet. We are waiting for a new home to be built.

I recently checked my credit score on creditreport.com and was shocked that my credit score was 587!  I contacted my realtor and she said I am may not be able to get a loan.  I am wondering if it is because of the credit inquiries and because I paid off a an old collection acct. a couple of months ago. 

I have been current will all my credit cards.  My lender mentioned rapid rescoring.  How many additional points will I be able to get with rapid rescoring?  Can I obtain enough so I would be able to qualify for the FHA loan? 

Any information would be super helpful.

Michelle (more…)

My house is for a short sale. The first mortgage accepted the offer and is willing to eliminate the debt. However, the second mortgage indicated that will be a balance of 53k which I am responsible. I have a court order where shows my ex-husband is responsible of the 60% of any outstanding debts regarding this short sale. How can I repair my credit?

Nurys (more…)

Can a second mortgage change the status of the loan type from “secured” to “unsecured” and continue to report the payments as late after foreclosure in a state that has an anti-deficiency law?

Our situation is we bought property in Arizona, an anti-deficiency state if the loan(s) were used solely as purchase money.  We took out a first and second (80/20) all used to buy the property.  The property value was less than the balance of the first mortgage at the time it foreclosed, in March 2008.    The first mortgage company reported it as a foreclosure as of March 2008.  The second mortgage company changed the loan type from secured to unsecured and has continued to report it as a missed payment, more than 120 days late, every month since March 2008, so as of todays writing we have 21 late payments from this one company.

Thanks,
Michelle (more…)