Paul Schectman at Viva Financial can work with you and our Credit Reporting Service to clean up your credit report on a pay for service basis using “Rapid Rescore” technology. Rapid rescore is just correcting minor problems on accounts that have already been paid. We will run your credit report and review derogatory credit items with you. You will need to provide verification of information to correct items that are not correctly shown on your credit report and verify that these items have been paid, or provide letters from the creditor showing that the item(s) have been removed. The “Rapid Rescore” service may significantly increase your credit scores, and you will not have to wait months for the Credit Bureaus to update your credit report for scoring purposes. Higher credit scores will provide you as a borrower access to the best loan programs and lowest rates.

Lexington Law: For Serious Credit Issues you may want to contact Lexington Law at  www.lexingtonlaw.com/Home.php?tid=662.0.7916.  Lexington Law focuses on credit report repair. Lexington is a law firm specializing in repairing credit reports. Lexington Law helps clients repair their credit report by removing inaccurate, misleading, or unverifiable information. Their professional services may significantly improve your credit scores over time. This law firm has been very helpful to many of my clients. The value for service is excellent.

Credit Counseling is a service where you consult with a Credit Counselor. Credit Counseling is advice given by professional counselors to people about how to use credit responsibly and how to get out of serious debt.

Debt negotiation is a 3rd party may negotiate with creditors and establishes a payment plan on behalf of the debtor.

Contact Paul Schectman at Viva Financial to review your credit history as one part of the mortgage qualification process.