Credit Repair in Middlesex County Connecticut

National Credit Fixers: 330 Roberts Street Suite 402 East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Middlesex County CT. We are experts in Credit Repair.

We offer Personalized... Not Computerized Credit Report Repair!

No two peoples credit reports are exactly the same! So, no pre-set computer program is going to be as effective as real, skilled credit report correction counselors. Period! At National Credit Fixers we offer personal and professional service, we are real people working hard for our clients. Of course we use technology, but we do not rely on it to perform the task of credit report repair. We do not scan credit reports and have an automated system produce duplicate dispute letters to mail to the credit reporting bureaus. We have skilled counselors that analyze your credit reports, then determine the best possible plan for maximum results. Then we draft unique and individual letters to the credit reporting agencies or to the creditors, collections agencies, or courthouses, depending on your unique and individual needs. NO computer program can do that! When you call our office you will notbe patched through to a call center full of unskilled telemarketers that read a pre-written script of answers to the "most commonly asked questions".

National Credit Fixers can legally remove negative items off of your credit reports and help you qualify for the best rates possible! Information contained in your credit file must be reported according to a law called the Fair Credit Reporting Act (F.C.R.A.). If the information isn't accurate or verifiable then it must be deleted.

This means your FICO scores will go up as a result. Do yourself a favor and come see us if you don't qualify for a loan, or if the rates you do qualify for are just too high. Please take the time to interview us for the position of "your credit repair expert".

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Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair company

This is a picture that my brother just took in his back yard in Arizona. It is almost as if the Hawk was posing for him :)

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Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

It's been a busy day in credit repair world. I thought I'd take a moment to post some more blonde jokes!

Did you hear about the blonde who took an hour to cook Minute Rice?


Did you hear about the blonde who got into the taxi, and the driver kept the "Vacant" sign up?


Did you hear about the blonde who was an M.D.--Mentally Deficient?


Did you hear about the blonde who thought nitrates was cheaper than day rates?


Did you hear about the blonde who after watching the ballerinas, wondered why they didn't get taller girls?


Did you hear about the blonde who went to a nudist camp for a game of strip poker?


Did you hear about the blonde who brought her cosmetics with her for a make-up exam?

☺

Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair company

Not often that I get to see an almost full moon while it is still day light. Who knows maybe we will have a full moon for halloween.

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Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

The third and last change that we have been notified of this week is a change to FHA Appraisal Expiration. FHA Appraisals use to be good for six month, this was both good and bad. Good because if an appraisal was done on a property, and the deal fell apart, the appraisal would still be applicable for a six month period, and the new Buyers/Borrowers would continue to use the same appraisal, because it was attached to the FHA Case Number. Therefore, they were able to save money on an appraisal. The Bad part is that if the reason for the deal falling apart was because of appraisal issues, or the house under appraised, those issues would continue to be a problem for six months, and you could not get away from them by doing a new appraisal.

With this change FHA has reduced the appraisal expiration to 120 days for all existing and new construction properties effective with case numbers assigned on or after Jan 1, 2010. This change aligns FHA with current industry practices.

This again is both good and bad. Good because you are able to replace an appraisal that had issues or under appraised sooner. But likewise it is bad because an appraisal that did not have any issues will now be good for only 120 days in stead of the previous six month.

This concludes the changes that I have to report on for now, but keep in mind that these three changes that I have blogged about, are all Program Changes, there are other changes that have also been made that are Investor Changes. Investor Changes are an additional layer of qualifying requirements that are imposed on by Investor which are over and above those made by Fannie Mae, Freddie Mac, FHA, VA, and USDA. Those changes will differ from Lender to Lender depending on whom the Lender is selling their loans to. The best way to keep up with these changes is by having a good working relationship with a Loan Officer that will keep you up to date on them.

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Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com