Lots of you reading this weren’t even born yet. Back in the olden days we called the bank and said “Hey, has Joe been paying his loan on time?”. “Well when Mary was out having a baby he was a couple of days late coming in, but that’s it.”
Now we have moved into the ice age. You become a number. Nothing personal, of course. But you are a number. Or should I say 3 numbers. Experian, TransUnion, and Equifax.
Unfortunately, there are no longer “tears on the explanation letters” to help us out. Big companies decide our fate through our credit scores.
The good news is that you can improve your credit scores! As a matter of fact you can have amazing credit scores. You are still a number but now you are a big number and more of those big companies are taking notice!!
If you decide to go to a credit repair place, let a mortgage professional like myself look at your report first. Different lenders require different things. No sense fixing something that isn’t broken.
I have mortgage programs that will accept scores between 500 and 800+. Don’t give up before you even start!
Contact me and let’s talk about it!
Pamela Madore Mortgage
3955 S. Soncy
Amarillo, TX 79119