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

As promised below is an overview and comparison between the present Tax Credit and the New. The information below was just given to us by Senator Dodd's Office.

Homebuyer Tax Credit Overview:

• First‐time homebuyers (those who have not owned a principal residence in the three years prior to the purchase date of their subsequent home) are eligible for a refundable tax credit of 10 percent of the purchase price of a principal residence up to $8,000 for homes bought between January 1 and December 1, 2009.
• If the home is sold within three years, the taxpayer must pay back the credit (called "recapture").
• Income limits for the current credit are $75,000 for single filers and $150,000 for joint filers, phasing out completely after $95,000 for individuals and $170,000 for couples. Income limits are based on Modified Adjusted Gross Income (MAGI).

Extended and Expanded Homebuyer Tax Credit:

• Extends the availability of the $8,000 first‐time homebuyer credit to taxpayers who have a principal residence under a binding contract before April 30, 2010, allowing 60 days to close.
• Creates a new $6,500 credit for move‐up buyers. Move up buyers are defined as people who haveLike the credit for first‐time buyers, lived in their current home for 5 or more consecutive years during the 8 year period ending on the date of purchase of the their subsequent principal residence. this credit is available to taxpayers who have principal residences under a binding contract before April 30, 2010, allowing 60 days to close.
• Raises the income limits for both the first time and move‐up buyer to $125,000 for single filers, $225,000 for joint filers with a $20,000 phase‐out. The $20,000 phaseout means that no credit can be claimed by those with MAGI above $145,000 for single filers, $245,000 married joint filers.
• Both the first‐time and move‐up credit are available for principal residences with a purchase price up to $800,000. Purchase price is defined as the adjusted basis of the principle residence on the date such residence is purchased.
• Includes strong anti‐fraud provisions:
  • Gives the Internal Revenue Service math error authority which they have requested when processing IRS form 5405. This would allow the IRS to correct certain errors during credit processing, and avoid the need for a post‐refund, labor intensive audit.
  • Requires a copy of the settlement statement (HUD‐1) which would verify the date of purchase, the residence address, and the purchase price.
  • Introduces an explicit age limitation, allowing no one under 18 to claim the credit
  • Excludes individuals who are claimed as dependents and married individuals who purchase the home from the family of their spouse from claiming the credit
• Eliminates the recapture requirement for military personnel and members of the Foreign Service and intelligence community who are forced to sell their homes within three years as a result of an official extended duty of service. In addition, these individuals have one additional year to qualify for the credit if they served for at least 90 days outside the U.S. in 2009 or 2010.
• Purchases made in 2010 can be claimed on the 2009 tax return.
• The score of $10.8 billion over 10 years is paid for by a seven year delay of the worldwide allocation of interest rule until 2017, not stimulus funds.
• Effective after the date of enactment.
• Homebuyers who were eligible for the first‐time homebuyer tax credit pre‐WHBAA will be able to continue to claim the credit. Homebuyers who qualify for the credit under the expanded terms will only be able to claim the credit if they close on their home purchase after the date of enactment of this bill (the binding contract can be signed before enactment).

Some of this, like any new Legislation, is going to take a few days to fully understand. As further clarification is made available I will try to provide it.

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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

Yesterday marketed my 9 month ActiveRain anniversary. In 9 months I have amassed 186,000 points! That's over 20,000 points per month. It has put me to the top of the ActiveRain membership who have joined this year (see picture below).

It has been a fun ride. I have met lots of great people and learned quite a bit here in the Rain.

Today I celebrate 9 months!

☺

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

A blonde, a brunette, a movie star, the pope, and a pilot were on a plane.


The plane was going down fast, and there were only four parachutes for all five of them.


The pilot took one and jumped, then the movie star took one and jumped, and then the blonde took one and jumped.


The pope told the brunette to take the last one.


The brunette said, "There are still 2 parachutes left! The blonde took my backpack!"

☺

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