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Jan 192018
 

A bad credit score can wreak havoc in many areas of your life. If you have a bad credit score you aren't likely to qualify for new credit or loans. Even if you don't like using credit cards you will usually need one for things like: reserving a hotel room, renting a car, setting up utilities, getting a cell phone account an so forth.

Jan 182018
 

Hey all!!! Here are some easy ways to help raise your credit score.. I used these methods to jump from 300's to 750. No tricks, my personal experience shared in this video!!!

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I hope this video helps a few… Thank you for watching!!!

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Jan 172018
 

Credit score range is a mystery to a lot of people. And is my credit score considered good? "Credit" is simply your reputation as a borrower…and "acceptable" credit is required to obtain a home loan. Your credit "scores" are determined by your borrowing history and they are reflected on your credit reports, which are used by the banks. There are three credit reporting agencies that the banks use to obtain your scores: Transunion, Experian and Equifax. And, by the way, you can go online and get a copy of your credit report from them.

What lenders want to know is that you have been borrowing and, more importantly, that you have been repaying debt in a timely manner. Oddly enough, if you have not been borrowing, then banks have nothing to go on and will not loan you money. So, it is important that you rack up at least some small debt, such as a credit card purchase, and then pay it off in order to "establish credit" that the banks can use.

We are frequently asked, "what constitutes a good credit score and is there a correlation between scores and interest rates? The answer is Yes!, and the better the score the better rates you will get.

Here are some generally acceptable scores:

For a Conventional loan: 640

For an FHA-insured loan: 620 and,

For VA-insured loan: 640 (620 for disabled vets)

Most credit scores run between 600 and 750 and scores above 720 are generally considered good.

Another question we hear is, whose credit score may be used to buy a home? That of the husband, the wife, or of some other person??

This is very simple: You have to use your own credit. The banks will only use the credit of the person or persons who have the income. You cannot use one person's income and another person's credit to qualify for a home loan.

And here is my tip: When a lender runs your credit it will typically drop your score 4-6 points. But your lender must check your scores to get a loan so you want to do it wisely. To avoid having your credit scores get dinged too much when they get checked, keep mortgage shopping to within 30 days of the first credit check.

LDSAgents.com is a FREE service connecting you with more than 3000 real estate professionals across the United States, Canada and Australia.

For home buyers, sellers, and those needing a home loan.

As seen worldwide on BYU-TV, LDSAgents.com is the original and largest network of its kind. We've helped thousands of clients since 1999!

Jan 162018
 

– USDA credit score – Does your credit score qualify you for a USDA home loan? There are minimum credit score requirements for USDA loans…. find out what they are. The USDA RD loans with their No Money Down feature are great for home buyers in rural areas, however there are USDA loan credit requirements. USDA loans expert Sean Stephens of Metroplex Mortgage Service (Florida, Alabama, Tennessee, Texas) shares his expert advice on the credit score needed for automatic approval and manual underwriting options.

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If you are looking for USDA home loan in rural areas in Florida, Alabama, Tennessee, Texas or anywhere else on the USDA loan map, you will need to know if your credit score qualifies you for a USDA loan.

In this video, I discuss the minimum USDA loan credit score requirements and the factors that the USDA consider when evaluating your credit reputation. Some mortgage experts, like Metroplex Mortgage Services, can manually underwrite your USDA loan application if your credit score is not within the range that is automatically approved.
Metroplex Mortgage Services are experts in USDA loans. Request a call back on our website now to find out how we can help you qualify for a USDA home loan. Visit:

We help with Florida USDA loan qualifying, Texas USDA loan qualifying, Tennessee USDA loan qualifying and Alabama USDA loan qualifying.

Do you have a question about USDA Loans? Submit your question in the comments for next week's episode.

Jan 132018
 

How quickly can I get to a 750 credit score? Can I change my credit score overnight? I need to change my credit score right now, is that possible?

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Jan 122018
 

2017 how to raise your credit score fast to make money.
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This formation will show you How to raise your credit score quickly and how to raise your credit limit.

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Jan 112018
 

Hate credit cards? Do not think you are disciplined enough to manage the credit line? Afraid you might go into credit card debt? Just start one anyway and set everything on auto. Come back in 5-10 years and you'll magically find a pretty good score! Watch to find out how.

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Jan 102018
 

If you are trying to boost your credit score in less than 30 days you've came to the right place. Our tradelines are guaranteed to post 10 days after the closing date. Tradelines are the quickest way to boost your credit score in a short time frame. Tradelines can boost your credit 200 pts over in a short time frame.

If you are interested in purchasing tradelines with us please visit our website and fill out the order form. We will have the links below. We also have packages for tradelines as well. We are not doing any affiliate broker programs. There are no primaries being sold at this time.

For Credit Repair: $499
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Fill pout the contact for on the "Contact US tab. This service is only $100 dollars! To receive tradelines visit the first page on the website and fill out your information including tradeline spot or bundle program.
Please fill out the form first before calling. Calls will only be answered once the form as been filled out. This is to insure who is serious about our program.

Individual Tradelines will run between $600-$2300

Bundle Programs

2AU Tradelines -$1500
3AU Tradelines-$2500
4AU Tradelines-$4500

Guaranteed to POST to all three bureaus

Reporting cycles :10-20 days

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