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Home Buyer’s Assistance is Here to Help!

November is here already and 2014 is just a little less than 2 months away from being over! I cannot believe how fast this year has gone!!

We’ve been busy working on moving challenged clients from credit distasters to better masters of their finances, and have watched amazing things transform in their lives. It’s been a pleasure to see families get ahead FINALLY!

I have seen a long awaited program become highly successful in 2014, and wanted to share the great news with YOU!!

In 2012 I saw how much the real estate collapse had impacted people I knew from close friends to even professional associates that literally got clobbered in the real estate market. Some of them have yet to get back to where they were even today.
It was heartbreaking to see and I thought long and hard of a way to help educate people who needed to get better prepared to move forward into homeownership this time around even if they had been previous owners to those that watched the madness from the sidelines.

I spent alot of time developing ways to capture the distance between credit challenged individuals and families to the immediate market demands now necessary to bring a client through the mortgage process. It’s quite daunting and helping them understand takes time.  So while I sought to build a strong team of professionals to help me assist potential clients, I also found that the media works over time to add the public’s confusion and took another step to publish our program’s functions in a quarterly magazine.

I appreciate you so much I wanted to share it with you, so that you are up on what we are doing to make the mortgage process easier to understand and bridge the gap for those that need credit help.

Our program is called Home Buyer’s Assistance or HBA for short. We have the capacity to do alot for real estate and mortgage professionals, because we can close the gap for deals that are hard to fund and better educate your clients.

Credit challenged clients can get the help they need because they won’t feel like they are dealing street hustlers and those that run gimmicks to get their business.

The credit industry has changed alot and it’s harder to clean files now more than ever, but our long time experience and understanding of the changing financial infrastructure is why we are able to work at this level.

Please enjoy this e-version for HBA, we appreciate your readership! Please email me with any questions you may have as we are happy to help you!


It’s been a pleasure being your source of great news, commentary, tools, education and training in the credit industry.

All the Best,

Alexis – The Credit DIVA!

Can Credit Repair Increase Credit Scores?

Credit scores are always at the top of the list for any lender when reviewing a credit application. There is alot that goes into the phases of credit repair and restoration and many people learn that your score doesn’t automatically increase with the work. often when my team and I review a credit report, the old history has been damaged with late payments and eventually accounts that were the oldest have been charged-off by the original creditor.

What then has to happen is that the client now has to re-build their credit history from scratch as if it never existed. This is an on-going confusing issue that aggravates people who seek help. Alot of credit specialists and so-called gurus provide terrible information about how credit can be re-built and re-established and when to do so.

Conventional lending has it’s barriers to the process because they often recommend secured credit cards to re-estabish credit and help build credit scores, but that is pretty worthless when buying a home in this new market. It’s important that you recognize that correcting your credit files are the intial phase of your credit recovery. Your scores can drop sometimes while the collection are being deleted and whatever else has been identified to be erroneous, irrelevant or un-verifiable. You should never assume that credit repair increases scores.

There so many factors that could impact credit scores and even the work itself. Credit scores can be increased at a later time and once your credit repair and restoration work has progressed to a place where a credit building plan can be implemented. Our team is extremely effective in this area and our clients are able to buy homes, and get approved for credit cards on their own after working with us.


Sometimes credit restoration and repair can be a painful process. We know all too well how changes in the way you spend and income disparities can throw everything in your life in a flux. It’s important to overcome the fear of failure in any of this because if you don’t get a handle on how you do things your credit will forever suffer.

Here are five things you need to know to move forward:

  • 1) Identify your motive to make the necessary financial changes real. There has to be something that matters to you enough to commitment to YOURSELF. I used to love to shop, and at one point Marshall’s was my favorite store. I could not ever dry by a Marshall’s in any part of the country and not stop in. I was a true SHOPAHOLIC.. What finally broke me of this habit was the burning desire to own my own business and invest in real estate.
  • 2) Sit down and document your true budget for your household. Everyone should do this because if you do not take an account of what is truly happening with your finances, you can never get an edge in your future as opportunities present themselves. Money has a funny way of growing or shrinking when the mindset of the person handling it is incapable of discerning their situation. I am saying – you must know everything to move   forward, but you have to be honest so a blessing can develop on your behalf because you were honest and willing to get organized.
  • 3) Locate a true friend and confidant to help you keep your commitment. Getting out of a jam is a lot like losing weight, it helps to have some encouragement from someone you admire and respect. Maybe there is a friend who just seems to always save a every month no matter what, you want to capture some of that fire and determination.
  • 4) Gather all the knowledge you can muster to make sound decisions as you take on this new direction. Reading is amazing! Learn from the many available resources in the marketplace.
  • 5) Give yourself time to adjust to this new way of thinking.

Spend at least one day a week reflecting where your headed to keep pace with your perspective each day. Sometimes our lives move so fast, we can barely keep up with ourselves. Making time to just gather your thoughts will go a long way in making some sound decisions.

Want to learn more about us – Grab our free REPORT here: https://www.getgr8tcreditvip.com/


If your credit rating is faltering or has hit rock bottom this year, there are ways that you can boost your credit scores.  It is important to take an honest look at your immediate circumstances and be real with yourself to move forward. 2015 is right around the corner and if you struggled all year or even over the last few years, these time-tested tips can give you a sense of order to move forward.

  1. Obtain all three copies of your credit report.

There are three main credit reporting agencies and not all companies will report to all three of them.  It is vital that you obtain copies of your credit report from all three agencies.  This way, if you have a problem on one report it may not necessarily show up on the other reports and you can still ward off any mistakes or issues.  Don’t just get a report from one of the major agencies, get all of them.

  1. Check your credit report often.

Experts advise checking your credit report at least once a year.  Some people, however, obtain their reports as often as every quarter.  It really depends on the activity and other factors as to how often you should check.  The common consumer who only has a few lines of credit can probably get away with checking less often.  It is important, though, to check your credit report so that you can ward off any problems, issues or even unauthorized activity.

  1. Delete your negative credit if possible.

If you have any negative credit such as delinquent accounts or slow payment history you need to work to bring it all current.  Credit repair is not as easy as it used to be, but you can pay on delinquent accounts to get them to a current status.  You should also begin to make regular, timely payments on a payment history that is slow or lagging.  If you can pay your delinquent accounts all at one time to bet them to a current status, but if that is not a possibility, you can pay on the accounts in increments and pay it a little at a time until current.

  1. Don’t close old accounts.

While you may be tempted to close old accounts, resist that temptation.  Keeping old accounts open and current will show as current accounts on your report.  This will show that you have active, good credit and will help to boost your rating.  The longer that you have revolving credit accounts with no negative reports, the better it makes your credit appear.  This translates to a better overall credit score.  Many credit experts advise that you keep a balance a balance or 30 percent of your credit limit.

  1. Pay your bills on time – always.

You may think that this tip is rather obvious, but it still stands to be repeated.  Your credit score can begin to decline even if you are only 30 days late in payment.  Even if you pay every month, if you pay late every month, you are still damaging your credit.  Your best bet is to make your payments on time every single month.

  1. Use credit to pay for credit.

This is an old, tried and true technique for credit building.  Get a secured credit card for “x” amount of dollars.  Once you receive your card, get a cash advance of 70 percent of your credit limit.  Do this with a second and third cards as well, using the cash advance from the previous card.  Open a checking account with the cash advance on the third card.  Use this checking account solely for making payments on your three cards.  Pay on time each month and your credit score will increase.  It may drop initially because of the three accounts taken out so quickly in succession, but within 4 months it will have rebounded and your score will be greater.

  1. Maintain different types of credit.

Diversify your credit with revolving accounts, unsecured loans and secured loans.  This shows that you are able to manage several different types of credit at once.  Get a vehicle, mortgage or personal loan so that you can have an installment loan on your credit report and charge cards give you the revolving credit.  This shows that you can handle short term credit, long term credit, fixed payments and variable monthly payments.

  1. Don’t file for bankruptcy.

While bankruptcy may seem like an easy way to get out of debt, resist the temptation.  Don’t file for bankruptcy or foreclosure; they remain on your credit report for 10 years and will cause your credit score to plummet.  However, the older a bankruptcy becomes (as long as it is combined with a credit history that is rebuilt), the less impact it will have on your credit score.

  1. Don’t open new lines of credit.

Do not open new lines of credit unless you absolutely must.  Every time that you apply for credit there is an inquiry that is placed on your report.  This often causes your credit score to drop slightly.  This is more important when you are just starting out or when you are rebuilding credit because you either show no payment history or a negative payment history.  That, combined with a lowered score can show you as a credit risks to creditors.

  1. Stay on top of all credit issues.

As soon as you realize that there is a problem with your credit, you need to take care of it as soon as possible.  When you are staying on top of your credit issues you can ward off problems that will destroy your credit score.  This strategy will also help you ward off fraudulent activity that may occur on your account due to thieves and identity theft.

When you use these tips to boost your credit rating you will see great results.  Your credit rating will improve with the structure you establish and you will have better access to credit if you never need it for emergencies. Emergencies can come at any time as we all know and your ability to some form of credit can truly help in a time of need.

Merry Christmas and Happy Holidays!


Staying on top of your very personal credit situation is a critical component of any kind of recovery effort. Many times in my conversations with my clients, it is often revealed they have no idea what is happening with their credit files. It’s daunting to live your life every day and make an appointment to see the dentist, a medical professional, your kids school teacher, and even your Tax Advisor; but have no idea what is going on with your credit files! In today’s article, I will outline 5 reasons to monitor your credit situation and those that have access to your information.

Your ability to stay off any foul play, misuse or representation based on illegal access to your personal credit information can only be further progressed if you bother to manage your credit files to begin with. Waiting until your car breaks down is a terrible time to discover you need to buy a new one and learn after an application for a loan has been submitted that you can only buy an older car and not a one based on your credit score. What a way to find out, your credit is in the toilet! So, reason #1 is monitoring your credit files and scores.

1. A credit file monitoring service like Credit Check Total or Score Watch are great programs as they send you an email when someone access your credit files to review almost immediately if not within 24 hours. Know sooner than later what is likely to impact a critical decision that involves your credit scores. The other benefit some companies actually provide insurance to help you restore problems when there has been some kind of breach involving large companies.

2. Identity Theft is simply the ugliest thing that ever reared its head with life changing
consequences. It happens in such a way that people spend years cleaning it up and restoring order to their lives. I have personally used a website called, http://www.idwatchdog.com/. They have some amazing services where it will often be revealed the source of the abuser. I found the person who used my information on their website!

3. Unintentional merging of family files can sometimes reveal problems that are in fact not your because you shared a residence with someone and their debt landed on your credit files. Perhaps your named after someone and you need to know if issues arise in your name and identification.

4. Job hunting is harder now than ever because credit is used to lock out or even create a cloud of confusion that is not helpful when you are recovering from a hardship and old debts could not be paid. Potential employers are sometimes unforgiving and forget in these times, your credit may be a target and used to judge you moving forward.

5. Moving and change of addresses is the last reason you want to manage your credit files. This is important because the access that someone can get from your old mail about your lifestyle, interests and activies is revealed in mail that is delivered to you. Moving can lead to access to your information when a change a address is not recorded by the post office.  Be mindful of this. It’s important to know what you behind when you leave a residence.

I hope you find this article very helpful. Please leave a comment and let us know how we can help you more. Cheers to a smarter 2015!

How Pre-Approved Credit Offers Are Sent To You

In today’s post, I intend to shed some light on what goes on with someone’s personal identifying information and the relationship to “Pre-Approved or Pre-Screened Credit Offers”. While many times a credit offer coming in the mail seems like a cool thing; it is often the result of soft inquiries or screenings from various banks, marketing and/or lending institutions whom have an interest in promoting to the general public.  A lot of data, research and sometimes even your spending habits attract certain types of mail you may receive that has been prompted by a recent purchase, a survey, an online movie, a visit to the mall and even those easy breezy credit applications for a weekend jewelry store counter visit. So many things are captured in the way you may use your current personal information to go about your daily life.

Now this post is not intended to create fear in what you have experienced for a long time, but awareness is important because of the new ways of manipulation that do in fact affect your understanding of how and why you may notice a company that has gathered some data on you. The action of pre-screening you generates those mailed offers and in some instances, the knowledge of your credit potential is revealed. If you have good credit and want some low-interest rate credit or loans; this action could be appealing.  If your credit is going through a patch and you are sensitive to what and whom can see your reports than that is something you can control.

Junk mail is the leading annoying factor in those special sale opportunities for potential credit promotions designed to get your attention and consider the offer.  Bad credit promotions are even more aggressive as the interest rates on those offers are generally so high and outrageous, many people get in a bad situation with funky fees and auto-billings.  In an earlier post, you can check out how and why ordering your Annual Credit Report is the beginning of tracking these types of activities. If you haven’t done so, take the time to order your reports. You should know what and who is checking up on you. You can do so for free at www.annualcreditreport.com. This website does not provide credit scores for free.

There was a time when having a bad or challenged credit history could save you from pirates and thieves, but all that has gone away with Cyber activity and the use of stolen data. Even in situation where your credit score is not directly impacted by some kind of breach, your “liking or personal details” are in fact on the hook. A new persona can be created without your social security number. Be your champion this year and get your mind on your credit business. Your future does depend on it. I hope you enjoyed this post. Let us know how we can help you with your goals.

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