No, I personally do not evaluate people’s credit & tell them what or how they can fix it.

Instead, I offer step-by-step (VIDEO) help starting with how to:

1. Get your credit reports 100% free….
2. Read & understand your 3 credit reports
3. Separate your good credit from your bad credit.
4. Determine what credit score is needed to get what you want.
5. STRATEGICALLY evaluate each bad credit account, concentrating on any bad credit (marked) “current” within the most recent 24 months.
6. Add good credit to your credit file for quicker, easier score boosts.

If you recall, Christal you and I have talked before. You first need to pull, read & understand your credit reports. If you want to buy a home, you need at minimum a 620 middle score & 3 1/2% down payment + closing costs (which could be rolled into your mortgage and/or paid by the seller or even paid for with the $8,000 tax gift.)

When you know what score you need and what bad credit within the last 2 years, you strategically can evaluate each account before you ever have a mortgage person pull your credit.

Never destroy any leverage you might have by having someone else pull your credit. You need to pull your own credit reports.

You might discover two common debt collection tricks on your credit reports. I target these two tricks in my new CD, “8 SECRETS TO A 680 CREDIT SCORE!” (If you want this free CD, click here to get on my “first call” list, as I gave away every CD from the first order).

Of no surprise to me is that most people are too busy to improve their credit. Unfortunately, I have to give you the same answer I’ve had to give 1,000s others for a few years: I cannot find even one legitimate, effective & affordable credit repair company.

…not even one!

I wish I could point all people wanting to pay someone to fix their credit to a LEGIT source.

Please post back here if you have any other questions, Christal.

Mike