Credit Repair – Garr’s Journey

Credit Repair Story #1 My first credit repair story takes place in 2003. My story is similar to others as I have found that most people are repairing their credit for one of two reasons (they are picking up the pieces after making a series of bad decisions or life happened like an illness, job loss or [...]

By | June 2nd, 2014|Credit Repair, Misc, Uncategorized|1 Comment

Credit Repair Services in the News

Credit Repair Services and the CFPB While preparing for a  recent meeting with a mortgage lender that had been fed some negative and mostly incorrect information about credit repair services and the credit repair process I ran into several interesting pieces of information I want to pass along. First I wanted to share an interesting article, see below: […]

By | May 12th, 2014|Credit Bureaus, Credit Repair, Credit reports|0 Comments

5 Overlooked Ways To Improve Your Credit and Qualify For A Lower Mortgage Rate

 Credit Repair Can Be Scary... The idea of getting a home loan straight up scares most people. Not because it’s a loan and you’re borrowing money, but because of a variable rate that lenders give you. A small fractional difference in rate, which might not look much on paper, can cost you in five figures [...]

Credit Repair Services In Grand Rapids Michigan

Credit Repair Grand Rapids If you’re in Grand Rapids Michigan and looking for credit repair services, we are your answer. Our proven three-step solutions is the perfect credit repair solution. Most companies that sell credit repair such as lexington law and sky blue only dispute (a couple of accounts per month dragging the services out for 3-4 times longer than need be) while Garranteed Solutions (who addresses all negatives simultaneously) helps to build credit and settle debts as well. […]

By | February 3rd, 2013|Credit Repair, Misc|0 Comments

Credit Repair and Mortgage Lenders-Brokers

Credit Repair and Lenders Credit Repair Working with Mortgage Lenders or Mortgage Brokers As you may have already figured out by reading our other blog post or exploring our website, we here are at Garranteed Solutions are known for creating home owners.  We are proud of the fact that we have built our business around helping families and individuals with credit repair services that result in home ownership. Now we have worked hard to build a reputation of offering honest, ethical credit repair and as a result most of our new clients are referrals from mortgage lenders and mortgage brokers. In this credit repair article I want to talk about why picking the right mortgage lender/broker is an important decision. […]

By | January 28th, 2013|Credit Repair|0 Comments

Credit Repair and Credit Cards

Credit Repair and Credit Cards I can’t even begin to tell you how many questions me and my staff get’s on a daily basis in regard’s credit repair services and credit cards. As you may already know here at Garranteed Solutions our goal is to help our client’s repair their credit in a way that they are able to get a home loan approved. With the being said positive credit such as credit cards in an important piece to the puzzle. […]

By | January 23rd, 2013|Credit Repair|0 Comments

Credit Repair and Budgeting

Budgeting for credit repair Credit Repair and Budgeting When it comes to budgeting one may think that there are is not much to discuss. You get your check, pay your bills and then take a little extra for fun, savings, etc.  While that is probably the plan of attack for most, I am here to tell you that there are other ways to plan, better ways. No depending on your goals (keep in mind they may change from time to time) you may actually want to structure your budget different ways. There are many opinions and budgeting tools around. Dave Ramsey has a couple different tools (such as the envelope system, my personal favorite), Suze Orman promotes the debt eliminator and expense tracker to name a few. […]

By | January 21st, 2013|Budgeting, Credit Repair, Debt Settlement|0 Comments

Credit Repair and Mortgages

For the things that matter credit matters. This couldn’t be more true when talking about obtaining, maintaining or refinancing a home loan or mortgage. Did you know that the whole basis of a credit score is for lenders to determine to chance of you going 90 days late on a loan? A single late payment on your home loan can drop your credit scores up to 100 points! In this article I am going to talk about credit repair in regards to getting, maintaining or refinancing a mortgage. As you will soon find out the first step to getting approved for a home loan depends on your credit reports and scores. The reason I say credit reports and scores is because you need both to meet certain criteria for your home loan to be approved. An FHA loan seems to be the most popular type of loan consumers are applying for currently. Most lenders are looking for a minimum credit score of 620-640 and for most non-medical collections to be paid. Credit repair is a vital tool in assisting consumers to prepare their credit reports for an approval of a loan. […]

By | January 20th, 2013|Credit Repair, Mortgage|1 Comment

Credit Reports and Credit Repair

Credit repair step #1 get your reports Have you ever bought your credit reports and scores online and then went to your bank to apply for a loan only to find the reports and scores your bank pulled were not even close to the ones you just purchased online? We have all seen the commercials encouraging you to go to their website and purchase  your credit reports and scores. I am sure you have seen the one with the dog’s that are shaped like credit scores or better yet the three guys that sing about credit scores and how their quality of life has been effected by their poor scores.  These commercials encourage you to get your reports and review them as are their known to contain errors.  Credit repair may be on the horizon for you. […]

By | January 14th, 2013|Credit Bureaus, Credit Repair, Credit reports, Credit Scores|0 Comments

Credit Repair with Big Banks or Credit Unions?

Credit Repair and Banking, How do the two relate? You may be thinking what does credit repair have to do with who I decide to have a banking relationship with. Lets take a look at how cred it repair and banking relate and then determine what type of bank would best suit someone who is repairing their credit. As mentioned in the title of this article we are going to be comparing big banks to credit unions. In light of recent proposed debit card fees by big banks and the Move Your Money and Bank Transfer Day movements, now is a great time to compare big banks and credit unions side by side in regards to credit repair. Please know that when I say credit repair I am referring to credit score and report improvement, and maximizing your overall credit profile to ensure you are getting the best interest rates when applying for financing. The connection between credit repair and banking is obvious then, the better the credit score and report the better the terms and conditions you are likely to be offered when applying for financing. […]

By | January 10th, 2013|Banks and Credit Unions, Credit Repair, Misc|0 Comments