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We offer a guaranteed service agreement and a team of experts to answer any questions and to professionally administer every aspect of the process to help you prevent foreclosure and brankruptcy.

 

HelpSaveMyHome.com
4640 Forbes Blvd
Suite 320 / BL
Lanham, MD 20706

301-577-1333
301-577-1334 Fax
888-YES-8881 Toll Free

 

 

 

 

Our goal is to implement a plan before the situation gets out of control. Daily late fees and interest can add hundreds of dollars to the past due amount until the mortgage loan is brought current.

Many Clients have used our services to save their homes, get a new start on life, & provide their families with long lasting financial security.


Credit:

Your credit report can determine your financial future.

The next time you apply for a loan, a mortgage or credit card, approval will rest in part on your credit score. So it's important to know your score, not only to check how you're doing, but also to correct errors on your credit report and monitor it for identity theft.

By passing the Fair Credit Reporting Act in 1970 and making subsequent amendments in 1996, Congress has made it easier to stay on top of your credit rating. Enforced by the federal Trade Commission and various state agencies, the Act gives consumers the right to review their own credit reports and to challenge errors. If proof is available, credit-reporting companies must correct mistakes. But you need to take the initiative to provide them with proof.

What affects your score.

Your score represents your credit profile in comparison with thousands of others individual credit records. Many factors go into the score; among them are income, assets, length of employment, Length of residence in one place, education level and past credit record. How you stack up in these categories tells lenders how much credit you can safely handle.

Each credit bureau calculates scores in a slightly different way, but they all rely on the same information. Fair Isaac Corporation (known as FICO), a California-based firm that devised the basic scoring system, reports that scores are heavily determined by five pieces of information; payment history, the amount you owe, length of credit history, new credit, and types of credit.

The FICO scoring model--which is the one most major credit bureaus use as a basis for their scoring system--ranges from 300 to 850. The higher your score, in general, the better your credit rating.

Experts advise consumers to check credit reports at least once a year. Get a full report, including the score, from all three bureaus. It's worth having all three because their sources of credit information, while similar, are not identical. You can request a report by phone or online.

Raise your credit score:

  • Pay all your bills on time.

  • Keep balances low on credit cards and other revolving credit products.

  • Open credit accounts infrequently.

  • When closing an account, send a letter to the issuing company asking the record to reflect that the card was "closed by the consumer".
 Whom to contact:
Equifax 1-800-685-1111 equifax.com
Experian 1-888-Experian experian.com
TransUnion 1-800-916-8800 transunion.com