Matt Listro Your Credit Repair Expert

About Me:

My Experience:

Received a Bachelor's Degree in Finance from St. Anselm's College in 1992

Worked in Mortgage Wholesale for 4 years covering all of Connecticut and parts of MA, RI, & NH.

Owned a Mortgage Company for 14 years operating as a lender with a $1 million wharehouse facility.

Sucessfully petitioned HUD for mortgage loan limit increases to Hartford, Tolland, and Middlesex Counties in 2003 & 2004.

My Mortgage Firm was the #3 loan correspondent for HUD in Hartford county for 3 years running!

What am I up to now? Credit Repair Credit Repair Credit Repair Credit Repair Credit Repair

For 14 years I have been repairing clients credit scores in order for them to credit qualify for a mortage. Now I am doing the same thing but for YOUR clients! I have the knowledge, experience, and successful track record behind me!

When applying for a mortgage or any other type of loan or credit card, your credit score is what determines your interest rate. It can also dictate how much money you would have to pay down to get a mortgage. Since most consumers don't have the time to write letters to the credit agencies we do all of the work for you. If you need to fix bad credit then we have solutions for you!

High Credit Scores are important.

Your credit score affects everything from the home you live in to the car you drive and maybe even the job you work in. Lenders, insurance agents, and even some employers all use your credit score to make decisions about what type of person you are. A bad credit score says that you are irresponsible with your money and are a risk to creditors. A good credit score says that you can be counted on to make your payments on time and properly settle your debts.

Most credit reports contain errors

Because your credit score is so important to you, it would make sense that the credit reports used to calculate your credit score are managed with the utmost care. Unfortunately for you and the millions of Americans with errors on their credit reports, this is not the case. Studies have shown that flaws in the credit reporting system have resulted in almost 80% of credit reports having errors. In addition, the majority of Connecticut residents' credit reports contain misleading or out of date information that gives creditors the wrong idea of who you are as a consumer.

Odds are you have errors on your credit reports. These errors may be lowering your credit score and forcing you to pay unfair interest rates or even be denied the credit you deserve. National Credit Fixers has the tools to restore bad credit. Effective credit repair will improve your credit score.

If you think your scores are below 720 call us today!

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 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 not be 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 is a reputable credit repair service that 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.

We use the Fair Credit Reporting Act (FCRA) which is a federal law designed to protect you from being "slandered" by creditors, collectors, and credit reporting agencies. According to the law, a disputed credit account must be accurate, complete, and verifiable for it to remain on your credit report.

All inaccurate, incomplete or unverifiable accounts must be removed or updated. We have removed bankruptcy, foreclosure, repossessions, late payments, charge offs, collection accounts, judgments, and many other negative credit items. We go the extra mile for our clients.

Toll Free: 888-NCFIXER (623-4937)

Toll Free Fax: 888-FAX-4020 (329-4020)

Local: 860-282-6181

330 Roberts Street Suite 402

East Hartford, CT 06108

credit repair company

What Can I do for You?

Could you use a couple more closings per month? Send me those buyers who are not quite credit qualified. I will send you back a credit qualified buyer! That's right close more deals - deals you already have but need a little help.

I will help your client in three ways. First, I will help them get negative inaccurate or unverifiable information removed from their credit profile. Secondly, I will help them get more new good credit. And lastly, I will help tweak there profile (balance transfers, paying down debt, and increasing credit limits) to get them the best score possible. It's really a simple formula!

I also have a few more tricks up my sleeve. Call me today to find out what they are!

:)

Our Past Success Rates:

Average FICO score increase in 6 months: 50 points

Score increase in 35 days

10 points or more 93%
20 points or more 71%
50 points or more 20%
100 points or more 10%

Score increase in 90 days

10 points or more 97%
20 points or more 82%
50 points or more 35%
100 points or more 20%

There are too many factors that make up the credit score, so it is impossible to give you an accurate prediction of how much your score will increase. Since we do not know for sure which inaccurate items we are going to get removed, it is nothing more than a guess for us to tell our client how much their score will increase.

Breakdown of Deletion Rates by Account Type

Here is the statistical breakdown item by item of our chances of being able to remove your item based on past experience. Remember, just because we have been able to remove an item in the past, by no means guarantees we will remove your negative item.

Mortgage Account Information being reported

• One time 30 days late - 80% chance of removal within 45 days
• 30 days late more than once - 80% chance of removal within 45 days if we only focus on one late payment but 65% over 90 days if we focus on all late payments from this account
• 60 or more days late, whether it is 1 time or several 65% over 90 days
• Foreclosure - 50% within 35 days 60% within 90 days
• Past Due balances - 100% within 35 days if client brings the past due balance current, otherwise 60% within 35 days, but it will get reported past due again if the past due amount is not brought current

Credit Cards and other loans that are not Mortgage or Auto related

Same answers as mortgage late payments except for the following:

• Charge-Offs - 70% successfully removed within 90 days if the charge-off is paid, 50% if unpaid. Unpaid Charge-offs have a very good chance of getting re-reported since they still have a balance; reason being- Creditors report accounts when it is in their best interest. Since they have money coming to them they are more likely to report. When it is paid, it does not come back because the creditors never report again after they update the account as paid because they have no reason to waste their time since they got what they wanted, PAID!

Auto Late Payments

Same answers as mortgage late payments except for the following:

• Repossessions - Voluntary and Involuntary are the same percentages. 70% are removed within 90 days if the account is paid, 50% if unpaid. Unpaid Repossessions have a very good chance of getting re-reported since they still have a balance because the creditor is still owed money. (An involuntary repossession is when the bank hires a repo-man to take your car from your house while you are sleeping, a voluntary repo is when you call the bank and ask them to come get the car because you can't afford the payments. Both are bad although involuntary is worse on the credit score.)
• Settled - 70% chance of removing settled notation within 90 days
• Student Loans - 70% chance of removing late payments or paid charge-off student loans within 90 days, 50% if unpaid although they run a big chance of getting re-reported if they are removed when they remain unpaid.
• Forbearance - If client is being reported as currently late while they have a forbearance agreement, we are 80% within 35 days and 90% within 90 days
• Child Support - 70% chance of removing late payments or current or paid child support obligations within 90 days, 50% if unpaid although they run a big chance of getting re-reported if they are removed and remain past due.
• Collections -
  • Unpaid - 85% chance if we are handling the settlement for deletion, otherwise 70% if client settles on their own. 50% if client does not pay at all. Keep in mind that unpaid will usually get re-reported but be careful paying without an agreement to delete since paying a collection can reduce the credit score due to flaws in the credit scoring system. ( please note that settlement for deletion only works with actual collection agencies and never banks themselves since they never settle for deletion due to policy concerns. )
  • Paid - 60% within 35 days and 70% within 90 days
  • Older than 7 years since DLA with original creditor- 90% within 40 days
• Judgments - 50% within 35 days or 65% within 90 days whether paid or not. Judgments DO NOT get re-reported even if they are unpaid. This is the case for any public record. Once it comes off it stays off.
• Bankruptcies - 15% within 35 days and 25% within 90 days. We have a 50% chance of removing a chapter 7 that is 7 years or older.
• Included in Bankruptcy - 60% within 35 days and 70% within 90 days.
• Liens - 60% successful whether paid or unpaid. Liens can legally be reported for 7 years from the time they are PAID, which means they can stay forever if unpaid, although most fall off after 15 to 20 years even if they are unpaid
• Managed by Consumer Credit Counseling - 60% within 35 days and 75% within 90 days
• Identity Theft- 90% successful within 40 days, 95% within 90 days if the client gives us the required items:
  
  1. Identity Theft Police report saying they were a victim of identity theft
  
  2. Completed and Notarized ID Theft Affidavit that lists each fraudulent account on page 5 and the corresponding account number for the fraudulent account.
  
  3. Copy of client's drivers license
  
  4. proof of current address
  
  5. proof of social security ( copy of SS card preferred )

• Merged Files - 80% successful at unmerging within 40 days, 90% within 90 days.. A merged file occurs when 2 peoples credit reports are combined by the credit bureaus databases which is due to a similar name or social usually.
• PREVIOUS CREDIT REPAIR - A client can start working with our firm immediately after leaving another credit consulting company but the client must realize that our success rate is less since we have no way of knowing what damage the other company has done in the internal credit bureau records and also that the client does not get a guarantee if they either worked with another credit consulting company or repaired their own credit in the past 2 years.
• Rapid Re-score - 95% successful in removing these types of accounts within 10 days with rapid re-score. Most mortgage brokers have the ability to do a rapid re-score in which case we would only have to get the client the letter to give to the broker to enable him to do a rapid re-score. Rapid Re-score is only available in limited circumstances when the creditor agrees a blatant mistake was made ( which is not that often ) and also agrees to provide us with a letter stating it needs to be corrected because it is being reported wrong.