The Mortgage Credit Experts

Don't let bad credit stop you from buying your dream home!


*View our referrals at the bottom of the page

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mortgage credit repair - fix bad credit

Mortgage Credit Restoration

Mortgage Credit Experts is the leader in cleaning up credit reports with the specific purpose of qualifying for a mortgage loan. We partner with loan officers to get you into your new home as soon as possible!

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01

We put together a custom game plan, with the help of the in-house credit experts, to reach the largest score in the desired time frame.

02

Each game plan is specific towards the goal and time frame so not all negative accounts have to be addressed (this helps save you money).

03

We charge per account. Since the game plan is custom-tailored for you, accounts can be paid as you go.

04

Communication is kept between us and your loan officer to make sure we are all on the same page and your transition back to getting a home loan is smooth.

Accounts we Address

Charge Offs

Lowest possible settlement of the charged off

balance which leads to a certain score increase

as though paid in full.

*Based on the Fico 2,4 and 5 model

Student Loans

In collections or hurting your debt to income ratio we can help with

that.

Collections

Negotiated removal of tradeline upon payment. Most collections

are settled for much less than the full balance.

Guidance

Advice to raise your credit score with proven methods and experience.

Late Mark

Late mark removals are not common but possible.

Rapid Rescore

We know what documents are needed and how to get them to expedite the score increase.

*This must be something done in

conjunction with your lender.

Working with a Loan Officer or Realtor?

We can work hand-in-hand with the loan officer and realtor of your choice.


It's especially important to work with a loan officer that you trust, since they are integral in determining what your target score and remaining bank balance must look like in order to get you the home of your dreams. If you don't have a preferred loan officer/realtor, we can connect you with one of our trusted and proven partners all over the US. (Many listed below)

Get Started

Need to Expedite a New Score?

Some lenders we work with have a process called “Rapid Rescore” that allows us to update your scores within a week of submitting the proper documentation needed. We have experience understanding what the rescore team needs to complete the process with minimal hiccups.

FAQs

  • Are you able to remove late marks?

    We aim for full transparency and never to overpromise or underdeliver. On some occasions, we are able to remove a late mark(s) here and there, but this is not a common outcome.

  • Do you address every derogatory account?

    Since we work directly with loan officers to determine what your target credit score needs to be, we only address the accounts that are necessary. This saves you time and money.

  • How soon can I expect to see results?

    You can expect to see results within 30-45 days of addressing your first account. We also have methods of expediting results in a time crunch.

  • In what states do you operate?

    Most states. Contact us for more details. 

  • What is the cost?

    It depends on your situation. Every account has a different code, age, original creditor, collection agency, and debt amount. We offer free consultations to help you determine your exact cost. You can pay as you go, so our program fits into all types of budgets.

  • How successful are you at raising credit scores?

    Our success is determined in large part to your participation. Our proccess works, so we can move as fast, and continuously as you allow.

Have Another Question?

Talk to us today!

SATISFIED LOAN OFFICERS

AND TRUSTED PARTNERS

Satisfied  customers