Credit Program

We recognize the pathway to homeownership imbalance.

Renters 2 Homeowners Program™ Highlights:

• 640+ FICO® score or your Money Back Guarantee
• “If your score does not rise to a 640 or better while you are enrolled in our program, we refund your money, no questions asked”. Most of our clients get to 640 within 4 to 6 months…the key word being FICO® score.
• Our primary focus is to get you qualified for a mortgage, not just raising your generally credit score. We understand the difference between a “Lender Pull” and a “Consumer Pull”.
• In addition to eliminating negative credit, we help you build your positive credit.
• We provide you with resources to build positive trade lines and TRAIN you how to use them for maximum boost to your score.
• up to 12 month Credit Restoration Program​

“Thank-you for raising my credit score to 720. I am so happy that my dream of becoming a homeowner has become a reality.”

-G. Thompson, First-Time Buyer

How To Raise Mortgage FICO Score

One Time Fee Vs. Monthly Fee Credit Programs

We have a problem with the monthly fee payment structure. From a business perspective, this type of arrangement although more “budget-friendly” on the front end, it begs the question:

“If the company I hire is paid very little upfront but has on-going monthly fees…are they not inherently incentivized to keep me on as a client for as LONG as possible??? Afterall, the longer I’m in their credit repair program, the more money they make! Can I truly trust that they are working on my credit as swiftly and aggressively as possible?”

Frequently Asked Questions

Here are the most frequently asked questions on how to raise the mortgage FICO score and the Renters 2 Homeowners Program™.

Is Credit Repair legal and how does it work?

Everyone is entitled to correct and accurate information on their credit report. But it has been reported that 80% of all credit reports contain errors. We audit the credit report, looking for incomplete and inaccurate information then insist it be removed legally based on the Fair Credit Reporting Act.  One collection may be misreported and/or be reported several times by other third parties. This is an example of an item that qualifies for removal.

What is the process for raising my mortgage FICO score?

After enrolling in the program, we begin the audit process. Once we have identified errors, we send out dispute letters. You, the client, will receive the dispute results in approximately 50 days. You must send these into your credit analyst for review. Based on the results we may continue to argue on your behalf. This cycle will repeat until you are satisfied with the results and your score tops over 640. In addition to sending us back all results in a timely manner, you must keep all your current obligations in good standing and also begin to build new credit. This is part of our guarantee.

How much does it cost?

Poor credit costs you thousands of dollars in high-interest rates, higher insurance costs, and sometimes better employment or promotion. The cost of our program is a one-time payment of only $595.  There is a $200 discount for a friend or family member when you sign up together.

How long before my mortgage FICO score goes up?

This answer varies for each individual. Some clients see a big jump within the first 40 to 50 days, while others take 6 months or more. If you respond to us quickly, getting your results back to us quickly and begin to build new credit right away, you can expect to complete our program within 4 to 6 months. 

What is the Money Back Guarantee?

Our guarantee states that if we are unsuccessful in helping to raise your score to 640 or better, then you receive your money back. The conditions are this: You stay in the program 12 months, you send all of your results back to us with 5 days of receiving them, there are no new negative items reported while in the program, and you have successfully completed the revolving credit requirements. 

Why do I have to get new credit or pay down my existing balances?

Negative credit history is only part of the overall picture when it comes to calculating a score. This is the part of your score we are working on. The part we have no control over is your other credit accounts. To qualify for our guarantee and build a better score you revolving credit accounts must be in good order. This includes a minimum of 2 accounts all have balances less than 10% of high credit limit.

Where do build credit fast with bad credit?

We have worked with several good companies that issue second chance credit. Although fees and rates may be painful at first, once you have proven that you manage credit well you can qualify for much better terms via mainstream cards. This is the first step to getting there, start building good accounts and keeping the balances low and under control.

Whom will I be working with? Do you refer this out?

Once enrolled you will be assigned a personal credit analyst. This individual is the only person working on your account, right here in the office. They will call you after you have enrolled and introduce themselves to you. You will get their contact info and they will explain the program to you. Your file is kept here and we do not share this with anyone.

Should my spouse also enroll?

This depends on your goal. If you are trying to qualify for a loan or mortgage and BOTH incomes and credit are needed, then yes. If we improve your credit to a qualifying level, but your spouses do not meet that standard, then the loan will probably not be approved.

Remember, this applies only if both incomes are needed for loan approval. If it is a joint title, then most lenders will look at both incomes and credit profiles.  Both must be good. We have a discount for spouses.

What else should I know?

Our goal is to get your credit repair process underway as quickly as possible. If you sign up now we should have your first round of credit bureau disputes out in a few days. We encourage you to get started today.

How do I begin?

Simple just click the “GET STARTED TODAY!” button below.

 Most credit repair companies we checked out only talk about removing and/or disputing NEGATIVE items on your credit report as their scope of services.  Yes, during their consultation they may discuss the need to build POSITIVE and ACTIVE trade lines (you need at least 3 to qualify for a home loan).

They may tell you to go get a secured credit card and pay it off every month so that it reports positively to your credit, but they don’t provide you any resources to obtain these trade lines.  You’re on your own. More importantly, they DO NOT TEACH you how to USE these trade lines in the most effective way.  In fact, folks can be paying off their credit line every month on time or even early, BUT their credit score is actually TANKING and getting LOWERED because they are not using it properly!

I’m sure you’ve had enough!  You should finally have some validation for all your frustrations in trying to restore your credit.  It’s not your fault…the system is DESIGNED to KEEP YOU IN THE DARK and perpetually keep you paying for continuous credit repair and continuing to pay higher interest rates,  required deposits, paying higher car insurance rates, getting denied for credit, the list goes on.

We can help.

Get started today!

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