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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.

7 Ways to Boost Your Credit Score this Month

Credit scores continue to astound and confuse consumers more and more, according bankrate.com, as their survey revealed in September 2015, “nearly four in five Americans, 77 percent didn’t with accounts with high outstanding balances hurt their credit scores, even if they pay their bills on time.” While I work directly with my clients in developing a clearer path, understanding, and better habits to forge ahead in their credit goals, I help them find ways to increase their credit scores while in my credit restoration program. In today’s post, I share what you should do when taking a very close look at what your credit scores and what they reveal about you. In my experience over the years of working with clients, credit problems often have an underlying root. Here are 12 Ways to boost Your Credit Scores this Month so you can begin to make a change for the better in your credit situation.

1. Dispute any errors you see on your credit reports. We are in January and every year the credit bureaus provide an annual free credit report to consumers to review their credit status. Go here for request yours, https://www.annualcreditreport.com/index.action

2. Ask for assistance on any accounts that you neglected to pay on time. Scenario: You had a gap in your employment situation and stopped paying a credit card bill on time and it is now in collection. Tip: Generally 90 days of no payment is headed for a charge-off. The next step is a collection reporting on your credit reports and essentially the account is in serious trouble. The creditor could allow you to pay off the balance in remove the bad reporting. You can ask for this, BUT, the key is to get a commitment in writing to get the account removed with the bad history as a result of the paid balance. It can be tricky!

3. Current credit card limits can be deceiving on your credit reports. Pay attention to what are using in any of your credit cards and how the monthly balance is showing up on your credit reports. Balances are a trigger of potential problems to a credit card company when they rise unexpectedly and the limit is exceeded.
Credit card balances can aggravate your credit score boosting efforts if they are high and maxed each month. If your paying on time and not carrying more than 30% of the balance over each month, you could ask for a credit line increase.

4. Acquiring a good interest rate credit card is key to better credit scores. This can be a longer range goal if your just starting out and need to build up your history to gain access to unsecured credit cards. The lower the interest rate, the more buying power you have when using the card. Each time you pay off your balance, the credit card company reports the use to the credit bureaus. The length of time you have used the card, the credit card limit, and how long the credit history is on file is all combined in a strategic mathematical algorithm, the credit bureaus use to rate your relationship with that credit card provider.

5. Minimize credit card use is the true rationale I want to emphasize especially to guard any score increase while getting credit problems related to old accounts and activity. Establishing a true habit of money management is better so that the credit card(s) you may still have can remain in good standing and stay open to help you restore (sustain) your good credit history.

6. Do not close credit card accounts no matter what happens. Old credit history can be helpful in your journey to a strong credit score. You may have a late or two from say maybe a year ago. That late payment loses its power in your credit history with each passing month you got back on track to pay on time. As long as there are no more late payments, that account can be a benefit to get approved for a larger credit line later. If on-time payments for 12 months continue, you are no longer under the same credit risk scrutiny. So that you don’t overspend or max the account, use to pay a automatic bill like cable so that it is used each month and it’s active.

7. Paying bills on time is imperative. A skipped payment may seem like “no big deal” but it will cost you royally. With credit cards the interest accrues daily, so a missed payment is detrimental as the interest could carry you over your limit, along with the fees that a late payment carries. The added killer is the score hit, which a 30 day late penalty could destroy your efforts to boost your credit scores because the late payment reports to the credit bureaus.

5 Tips to Rebuild from Bankruptcy

Bankruptcy has become one of the most used legal decisions to financially recover for many families. The stress, anguish, embarassment and the out of control feeling that comes with the process doesn’t make the situation any easier to bear especially when an employer is involved in some way.

The court system is daunting because of the paperwork, the filings, the record keeping and all the while you may began to wonder, “what do I do now?” The entire process must be handled with care and great detail all the while, your hoping to not have to give up everything to the court system.

Rebuilding your credit file should begin right after the bankruptcy is discharged. The longer you wait, the more time you must commit to restoring your credit worthiness. By federal law, a bankruptcy can remain on your credit reports for up to 10 years. It does not have to and you can began building using these 5 Tips to Start Rebuilding Your Credit.

1. Open a new bank account with a credit union preferably.
The reason for this, is because anything old from your bankruptcy attached to an existing bank account will not benefit you. Additionally, you want to start fresh.


2. Open a credit monitoring account to keep a close eye on your credit reports and scores. This service we have found offers some of the greatest protection for credit files as well as personal identifying information. All 3 credit reports from the big 3 credit bureaus included with the scores.
Manage your credit files

3. Check out your credit reports, examine where you are and if your scores are still too low and the old derogatory accounts is still reporting, you need Credit Clean-up. Acquiring new credit will be challenging if there is not enough positive credit history to start fresh. A true fresh start means, cleaning up the old and building new clean credit.


4. 35% of your credit scores are based on positive payment history, therefore whatever you open that requires a credit check, i.e. Cellular phone service, utilities; will reflect on your credit reports and you must start off your new credit life with on-time payments. To begin rebuilding, open a jewelry account where you can get instant credit. This is a small but crucial step to help you began building new accounts that will help boost your credit.
SUPER CREDIT TIP: Add credit boosting accounts, download our FREE REPORT

5. Establish alerts for your new bank account. The purpose of this is to maintain absolute 100% order in when, how, why, what is attached to transactions flowing through your new account. This will go a long way in rebuilding your credit. It’s pretty tough to move forward with strong credit files and scores when there are banking issues arising.
SUPER CREDIT TIP: MINT is a smarter way to maintain control of your money, consider this as an easy way to stay on task


Looking for a competent, knowledgeable and professional credit professional? We are long-time advocates and educators of credit repair and restoration. We have a full-service suite of credit repair and rebuilding resources. Get help from industry insiders today! Book a consultation either via the web or by phone.
Get credit help!


Bankruptcy is not forever – Get ready to Buy your Home

Bankruptcy doesn’t have to be the end of your future goal planning. It’s a time and place when you need to recapture some order, identify your weaknesses financially and learn to live within your means so old patterns do not creep back into your life.

Summer is here and real estate is hotter this time of year than any other season. If your tired of renting and desire to buy, this information can be very helpful because, coming out of bankruptcy takes some coordination so that all your financial ducks are in the right place.


Buying a home in today’s market is a bit tough with all the new regulations that now govern the way mortgage contracts are handled, the information available to new buyer’s is even more layered than it used to be. When there has been credit challenges, not all mortgage loan professionals are the same and can assist in a timely fashion with a client that has been through some heavy issues.

House owner/real estate agent giving away the keys - house out of focus

House owner/real estate agent giving away the keys – house out of focus

What you may find helpful is starting with where your credit history is after filing for Bankruptcy. New regulation has been established to help you buy with conditions. Your smartest initial step is to correct the credit history and get your credit back on track and increase your credit scores so that you can get approved for the lowest interest rate possible.

If your a first time homebuyer, FHA loans are a great way to start you on your path to buying home. If you are re-entering into the home buying market after not owning a home for the three to four years, you are also considered a first time buyer.


Buying a home is exciting and stressful at the time. Lenders like to see that your employment is stable, your saving some money monthly and your credit history is strong enough to position you into a mortgage loan without any kind severe financial strain.

If you ready to make that next major financial commitment, we have a great program that is changing the level of success for people who have gone through some challenges and want to buy a home. Our program Home Buyer’s Assistance (HBA) is designed to position you with a team of professionals who work with you to handle the intricate process of buying with credit challenges. To learn more, visit our website and download our HBA magazine.

Next month, we are having Credit Education and Home Buying workshop, be sure to stay in the loop so you can get your questions answered and learn about how we can help you buy your next home.

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