Start with the lending goal
A consumer who wants to purchase a home needs a credit plan tied to a realistic target date. Knowing whether the goal is sixty days away, six months away, or a year away changes the order and urgency of the work. Credit Marshall asks about the goal first so the credit review has context.
Review the report before the lender does
Collections, charge-offs, recent late payments, repossession history, high utilization, duplicate reporting, and other credit-report issues can all affect the conversation with a mortgage professional. Identifying those issues early gives the consumer more time to understand what can be addressed and what may require patience.
Work alongside your mortgage professional
Credit restoration is not mortgage underwriting. The mortgage lender or loan originator determines lending requirements. Credit Marshall can help organize the credit side of the situation while the consumer stays in communication with the lending professional about underwriting, documentation, and loan-program requirements.
No guaranteed score or approval
No responsible credit restoration company can guarantee a particular score increase, deletion, interest rate, or mortgage approval. The value is in identifying legitimate reporting issues, building a clear action plan, and helping the consumer follow through on the steps that are within their control.
Begin with a current tri-merge report
For a mortgage-focused review, a current three-bureau report is especially useful. If you do not already have one, the Credit Marshall assessment offers an optional SmartCredit tri-merge report link. Then book a consultation through our CMDI calendar if you are ready to discuss the next step.
Ready to take the next step?
Complete the free assessment or choose a real opening from the Credit Marshall CMDI consultation calendar. No SSN, DOB, or credit card is requested on the public assessment.
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