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Restore Your Credit and Change Your Life Forever!
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Maintain Good Credit While Parcitpating in Credit Restoration Services.
During your credit restoration process, take these additional steps to maximize your credit scoring potential:
- Pay your bills on time
- Get your past due accounts up to date
- Keep your revolving balances under 35% of your credit limit
- Limit new credit accounts
- Pay down or off credit cards
“A lot of people think that mortgage money is very hard to get—not at all,” says Jim Gillespie, president and CEO of Coldwell Banker Real Estate. “But it’s back to the way it used to be.”
Mortgage Lenders Tighten Credit Qualifications: What You Need to Buy a Home Today
"The US mortgage market has taken a leap back in time. The flavor of the day is a 30-year fixed loan. Down payments are back in vogue. Good credit counts."
THE DAYS OF SUB PRIME LENDING IS OVER...
"Bottom line, the days of sub prime lending has diminished. People who have a credit scores of 619 and below will now have a much harder time qualifying for home loans, car loans, and other types of financing without repairing their credit. “It’s that credit score that’s killing everybody.”
Build Credit History!
Demonstrate Your Credit Worthiness When Applying for a FHA Loan!
VR-Tech Pre-Paid MasterCard
Better than a bank account!
The Checking Account alternative that lets you… BORROW MONEY and BUILD CREDIT HISTORY
Get Credit Score for Paying Bills On Time. PRBC can help you build credit to qualify for a mortgage, car loan, and better interest rates.
Who uses PRBC?
Home loan associations like Freddie Mac and Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision making process for home loans.
Paying bills can help consumers qualify for a loan. As an example, a consumer may be eligible for an FHA loan if that consumer can demonstrate they have 12-months of consecutive on-time bill payments that include a housing payment such as rent or a mortgage, and at least 3-other bills such as electric, cable and phone.
Enroll in free Credit Builder and you can demonstrate your credit worthiness to potential creditors like landlords.
Just pay your bills through AccountNow Bill Pay and we will automatically report your payment history to PRBC®, a national credit reporting agency.
Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already to today - - paying your rent, electric, cable, insurance, and phone bills on time.
How Greed Brought Down the Housing Boom ... The Rise and Fall of
Sub Prime Mortgage Lending!
Raise Your Credit Score to Avoid This From Happening to You ...
Above 700 Now!!
As a result of your Credit Restoration service, our FICO scores have improved enabling my wife and I to re-finance our two mortgages at a better rate. We have also been able to secure better rates and larger loans for our growing business.
As a result of your Credit Restoration service, our FICO scores have improved enabling my wife and I to re-finance our two mortgages at a better rate. We have also been able to secure better rates and larger loans for our growing business.
Having a better understanding of our credit score has had a greater impact than we ever imagined!
Phil
Sacramento, CA
Phil
Sacramento, CA
See How United Credit Education Services Credit Restoration Program Has Helped Others Like You!
To Read More Testimonials CLICK HERE...
Sign-Up For A "FREE" 100% Approved Credit Builder MasterCard CLICK HERE!
Get A Better Crediit Score, Live A Better Life!
Credit Is The Center of All Business...
“Let us help you make good credit a reality, not just a dream!”
Would You Like More Information on How the VRTECH "FREE" MasterCard Can Help You Rebuild Your Credit to Qualifty for Loans?
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1) A lender must be able to verify your income. "No longer are mortgage lenders accepting stated income, no ratio loans (mortgage lenders were not examining the debt to income ratio), and low documentation loans. You have to provide your paycheck stubs and/or tax returns. The Federal Reserve has made these types of loans illegal starting in 2010. You should also be prepared to show bank statements for 60-90 days."
2) Assets. "Lender must verify assets such as verifying your checking, savings, 401K, and Investment Accounts.
3) You must have a 620 credit score and above. No one is accepting credit scores below 620. Many credit ratings requre 740 or above but the absolute lowest is 620.
Check Out United Credit Education Success Rate!
Credit Report Classifications # of Deletions
Total Negative Items Deleted as of 4/21/2009
Credit Report Classifications # of Deletions
Total Negative Items Deleted as of 4/21/2009
450,000
