심지어 금융, 월가에 대한 거의 아무것도 모르는 사람들이 서브 프라임 모기지 대재 앙이 우리 경제에왔다 심각한 영향에 대해 얘기하고 있습니다. 실패 서브 프라임 모기지의 놀라운 숫자가 자신의 홈 모기지 혹은 저당 refinancing를 얻기 위해 경제 공중제비, 지속적인 재정 문제와 인간의 무능력을 시작했을 수도 있지만 가난한 신용 점수에 의해 악화됩니다.

모기지 브로커에 대한 전국 압류의 처참한 증가, 모기지 및 모기지 refinancing 문제와 함께, 엎친 데 덮친하려면 단지 성장 할 것이다.

개인의 신용 점수가 침몰했을 때, 그래서 주택 담보 및 저당 refinancing 옵션을 사용하기 위해 자신의 선택을 않습니다. 또한, "나쁜 신용을 복구"로 약속 오늘날 시장에서 신뢰가 신용 수리 회사 및 기타 사기 조심하도록 클라이언트를 말해.

좋은 신용은 절대적인 것입니다 가장 합리적인 모기지와 모기지 refinancing 거래를 통해 그리고 사라지지 않을 문제를 넣어 수 있도록 대출 창시자를 위해, 그것은 신용 복구 프로세스에 대한 아이디어를 그들의 고객을 도와 대출 보낸 사람을 behooves합니다 자신의 신용 점수를 향상.

신용 수리 조언이 유형의 모기지 브로커는 "진짜 거래"로 잠재 고객을 설정하고 담보 혹은 저당 refinancing 거래를 닫을 수있는 방법입니다. 제대로 할 경우에도, 더 자주 못하는 것보다, 프로세스는 비교적 짧은 기간에 자리를 차지할 수있다.

1 단계

개인의 신용 점수를 재건하는 지속적인 과정이며 성공적으로 잘 구조화된 모기지 혹은 저당 refinancing 제품을 얻기 위해 허용 가능한 수준으로 자신의 신용을 재구 축하고 사려 깊은 준비가 필요하다는 실현.

고객들이 지불하고 아무것도에 늦지 않을 수있을 것이라는 새로운 월별 신용 점수 빌딩 예산에 보수적이 될 것을 권장합니다. 어떤 지불에 늦는 것은 더 이상 자신의 신용 점수를 줄일 것이고 불가능을 자신들의 고향으로 refinancing 새로운 저당 혹은 담보를 만들 수 있기 때문에, 그들이 편안하게 만들 수 없다는 매달 지불을 통해 프로그램을 구조화하지 않도록 클라이언트를주의.

이러한 이혼과 같은 상황이 거기에 extenuating있다면, 그들이 뭔가에 동의하기 전에 변호사와 함께 자신의 신용 프로그램을 검토하는 것이 편합니다.

2 단계

고객의 신용 카드 회사가보고하지 않은 또는 신용 카드에 자신의 신용 한도를 understated 경우, 그것은 그들의 신용 점수를 해칠 수있다. 이러한 이유로 자신의 신용 카드 회사들이 카드에 자신의 신용 한도를 understating 경우 고객이 결정합니다. 종종 신용 한도는 실제로보다 낮은 것으로보고되고 자주 무엇이든지보고되지 않을 수 있습니다.

우리가 신용 카드의 제목에있는 동안, 클라이언트 세 신용 카드 또는 회전 신용의 다른 종류의 최소한을 가지고 있는지 확인하십시오. 많은 사람들이 실수들이 신용 카드가있다면 그것이 실제로 자신의 신용 점수를 상처와이 때문에 그들이 카드의 일부 또는 전부를 취소할 수 있다고 생각합니다. Their credit score can be more harmed and the possibilities of not obtaining new mortgage refinancing on their home or a new mortgage is greater by simply canceling existing credit cards.

Furthermore, if they do not have any credit cards, have them obtain at least three. If they have trouble with getting typical cards like Visa, Master Card, Amex etc, tell them to try a local department store, or a Home Depot or Lowes. Quite often these types of stores are more lenient in granting revolving charge accounts.

Step 3

Make sure that your client reduces any outstanding credit card balances to under 30% of their credit limit on each of the individual cards. Some people mistakenly think that the 30% figure is based on their overall revolving credit card balance, but this is false. A single card over the 30% balance can nullify the benefit of the effort of having the revolving credit cards in the first place.

If your client has one card over the limit and several others under the limit, if they are limited on cash and cannot pay down the high card, have them see it they can transfer some of the higher card's balance to the lower cards. Have them check first before doing this to see if this type of transfer creates a higher interest rate or any other adverse effects on their credit.

Thus, if an individual has 3 credit cards with a total of $12,000 credit, but two of them have a $2,000 limit and the other has an $8,000 limit, make sure that they keep the $2,000 limit cards under $600 each and the $8,000 card to under $2,400.

Implementing this simple process will cause credit scores to rise, along with the possibility of obtaining that desired mortgage or mortgage refinancing program.

Step 4

When helping your client to raise their credit scores, make it a point to frequently pull their credit reports for them to determine their status as well as any errors on their reports.

Errors are so common on credit reports that over 75% of all credit reports have a minimum of one or more mistakes on them. Just by their being diligent and carefully insuring that any incorrect reporting information is removed, their credit score will quite often go up incredibly. This is certainly one of the easiest and most effective things that your client can do immediately to improve their score dramatically along with the possibility of them obtaining a new mortgage or mortgage refinancing of their existing mortgage.

5 단계

If your client's credit has been damaged to the point of having been sent to a collection agency, they probably will not want to immediately pay off the credit card debt . As incredible as it may seem, this situation can actually be more harmful than having credit card debt sent to a collection agency on their credit record.

When one of your clients have been sent to a credit collection agency, the effect on their credit is low after about two years and is virtually wiped out after four years.

Insure that your client receives a written promise from the collection agency for a “letter of deletion” before they do anything toward satisfying the old credit card debt, because without a letter of deletion, they may hurt their credit problem more than help it. Stress to your client that they should not pay anything on the bill until they receive in writing the agreement for the letter of deletion from the collection agency.

Most people trying to improve their credit to obtain a mortgage or mortgage refinancing on their home think that they need to pay off everything as quickly as possible, but this is one case that paying before you obtain the proper documents protecting your situation can actually seriously hurt your credit. People have in reality completely paid off a debt or negotiated a settlement to learn to their dismay that they now have no leverage to get the collection agency to send the letter of deletion.

Step 6

Finally, if your client does not make paid installments on a car or a boat, have them take out some sort of installment loan with someone like Best Buy or Sears on some needed appliance or with Staples or Office Depot for some business equipment. Credit bureaus look carefully not only at the fact that you have credit, but also the blend of the types of credit that you have. Having just credit cards only is not as advantageous as having credit cards and some sort of installment payment loan.

Be sure that your client watches out for the rates on their new installment loan. Some of these rates can be “out of the roof” and create undo stress on the monthly budget.

Also, unlike the credit cards which you should keep in perpetuity, obviously, revolving credit comes to some point at which the loan is satisfied and the monthly payment ceases. Your client should not buy just for the sake of buying, but if they are trying to improve their credit scores, planning a purchase that they might have paid in full with cash, would be better if they put a substantial amount down in cash and then financed the balance on an installment loan. Financing a smaller amount can actually lower loan interest payments thus lowering the monthly payment; all of which makes your client more likely to improve their credit score and get a new mortgage or mortgage refinancing of their home.



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