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Let me help walk you through the process to Financial Success.
Step #2: Get Your FICO
This first link is where you can get your exact FICO scores from all 3 bureaus for just $1. I recommend you pull your reports ahead of actually applying for any important loan (house, car, etc). It costs only $1 for a 7-day trial; however, I suggest you consider keeping the MyScoreIQ service beyond the trial (for $34.99/mo), at least until your loan is closed, just as an early warning system against any last-minute surprises. Of course, you can also keep it indefinitely for credit monitoring and identity theft protections. But that’s entirely up to you. And remember, these credit pulls will be “soft pulls” that won’t ding your credit, no matter how many times you run them either during the trial or thereafter.
Step #3: Credit Repair
Then, once you have your credit reports, should you discover errors or derogatory items hurting your credit, below is a link to a reputable credit repair service. As you may know, most credit repair companies take several months to clean up a credit report, meaning you can easily lose a deal while you wait. But this company, ASAP Credit Repair, is super fast and often can get things cleaned up in 30-45 days.
The Wrap-Up
So in short, I encourage everyone contemplating a major transaction to use this two-step approach to first keep monitoring their credit reports and second to use a reputable credit repair company to get your reports as squeaky clean as possible. The goal is to boost your FICO scores as fast as possible in order to qualify for the best rates and terms.
And BTW, I have tested both these companies and can personally attest they do what they say.
Once you have your credit reports in hand, please give me a call and we’ll determine next steps.
Thank you again for the opportunity to do business with you!
