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Arizona Credit Repair

Arizona Credit Repair: Important Information

Do you live here locally in Arizona and wondering what your Arizona credit repair options are? You can stop searching – we built this page to provide more information about credit repair — and you can always call us with questions.  Our goal is to help you get your credit repaired as soon as possible so that you can get a mortgage!

Arizona Credit Repair: Seven Steps To Good Credit

  • Get a secured credit card
  • Ask your mom or dad to co-sign on a small loan
  • Request in writing that your creditors reduce the credit limits on your acounts to lower your amount of available credit
  • Reduce your overall number of credit cards
  • Avoid bankruptcy, tax liens and collections
  • Monitor your credit report by getting a copy each year
  • Pay each bill when it is due or before

Arizona Credit Repair: Recognizing A Credit Repair Scam

  • The company suggests that you try to invent a “new” credit identity – and then, a new credit report – by applying for an Employer Identification Number to use instead of your Social Security Number.
  • The company wants you to pay for credit repair services beofr ethey provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
  • The company recommends that you do not contact any of the three major national credit reporting companies directly.
  • The company doesn’t tell you your rights and what you can do for yourself for free.

Fraud: Don’t Do It!

If you follow illegal advice and commit fraud, you can get into legal hot water: it is a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information.

Do you still have questions about Arizona credit repair? Call us – we are happy to help answer any questions that you still have and point you in the right direction to help you get your credit repaired.

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Latest News

  • How Does a VA Streamline Work?
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  • How is the USDA Monthly Guarantee Fee Calculated?
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IMPORTANT MORTGAGE DISCLOSURES:

When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

Copyright © Mortgage.info is not a government agency or a lender. Not affiliated with HUD, FHA, VA, FNMA or GNMA. We work hard to match you with local lenders for the mortgage you inquire about. This is not an offer to lend and we are not affiliated with your current mortgage servicer.

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