Fixing Your Credit For Free

Thre are few things more important for home buyers than having good credit. Since your reputation as a debtor is the main deciding factor for a lender in determining your interest rate and reliability, it's logical for home buyers to be very conscientious about their credit score. Without a good credit history and score, lenders can also deny a loan outright, make the loan more expensive or heavily reduce your borrowing amount.

If you have issues with your credit, CM&F will help you fix your credit for free, as part of our services.

Step 1

We start by getting credit reports from all three major credit reporting agencies. Equifax, Experian and TransUnion.  Once we receive the reports, we work with you to review them and identify any potential issues with your credit history that are adversely affecting your credit score.

Step 2

We then help you investigate and correct mistakes on your report. The Fair and Accurate Credit Transactions Act states that if proved wrong, the credit bureau and creditor must make necessary corrections for free. If you discover a mistake on your report, get in touch with the consumer bureau and creditor immediately. Once proved, the mistake must be repaired within 30 days.

Step 3

We then help you manage your current debts. If new debt is pulling down your FICO score, you need to create a plan to pay it off. Talk to your creditors and let them know about your financial situation to come up with a reasonable payment plan that's acceptable to all parties. Make sure to make all payments as agreed or your score will show the consequences.