Your Clean Credit Fix

I'm sure as someone who is in need of "credit repair advice" you would like to know a little about who's advising you. Well I'll tell you... my name is Charles R. Nelson and I've been involved with the real estate and mortgage industry for the past 30+ years. I've worked for major Mortgage Bankers or Direct Lenders and I've worked for myself as an independent Mortgage Broker... I prefer working for myself because I can offer my borrowers many more varied loan products for their specific needs. I've seen more "credit reports" than you can imagine and written more "credit repair letters" than I can remember. This alone qualifies me as a "credit repair specialist" and I know what pitfalls to look for in obtaining a lenders "credit approval".

My personal experience in the lending field is well-rounded and includes FHA/VA, Conventional and Commercial type loans. For developers and builders I've provided forward commitments, VA Master Appraisals (MCRV) for their tract developments and mortgage loan product training for their staffs. I have given many loan product seminars for the Real Estate community and the private sector. This kind of training would include FHA/VA, Conventional, First Time Home Buyer, State Bond Issues and Mortgage Insurance Programs. A well-educated community of developers, builders, realtors, buyers and borrowers makes a "loan professionals" job much easier.

Charles R. Nelson Mortgage, Inc., is a family-owned and operated business. We, that is my family and I chose to get away from the big city (Los Angeles, California) and live on a tiny island out in the Gulf of Mexico, off the Coast of Florida. You may wonder how we can effectively do mortgage loans away from the busy and noisy hub-bub of a big metropolitan city?... very easily--it's called technology!

With the advent of phones, faxes, computers, the Internet and all the latest communication and software technology, we can make mortgage loans from anywhere in the country. The use of this highly automated technology in the daily workings of our business allows us to focus successfully on our Comprehensive Service to you, the borrower--the most important element of our business. Credit issues have always been a number one concern for lenders everywhere. To be able to present a customers loan application/package to a lender with all the credit issues resolved and thoroughly answered is an "art of its own" and only years of experience qualify a Mortgage Professional to successfully help a borrower achieve their quest for an approved loan.

Because we like to keep pace with the latest technology and advancements this affords us better communication with our borrowers, making it possible to close and fund our loans faster. They say knowledge is power and we say knowledge is powerful and we use it to maximize our best efforts on your behalf. Let us help you find the loan that meets your specific needs and criteria.

One reason I started this website "Your Clean Credit Fix" is to help educate my borrowers and the rest of the public in "credit repair". You can either rebuild credit yourself, or have a "Credit Repair Service" do it for you. I've tried to be non-bias about the information I'm providing for "Your Clean Credit Fix" so that everyone in need of "credit repair advice" can benefit from my many years of professional experience. It's up to YOU to help yourself achieve a good credit rating. Do your job and that is... do your own "due diligence" in repairing and maintaining a good and healthy credit rating!... Do The Due!

A Good Credit Score Will Help You Obtain The Many Things In Life That You Desire Most

Thanks for coming to our web site and if you have any questions regarding any of the information provided please feel free to eMail us below by filling out our Ez Information Request Form.

Isn't technology GREAT?...

Respectfully,

Charles R. Nelson

Owner/Broker/President/Charles R. Nelson Mortgage, Inc.

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Credit Report Disputes

CREDIT REPAIR STRATEGIES

The easiest strategy for repairing your credit is to dispute questionable and erroneous derogatory claims as follows:

1. Get and review your credit report (1-Tri-merge) using all 3 main repositories. (Equifax - Experian - Trans Union = 1 report/tri-merge)

Repository information below... click here -->

2. Analyze your report, each repository reports and grades differently. One of the 3 repositories may show a derogatory claim where as the other 2 do not and vice-versa. Check each account number and dates of reporting to make sure that any claims are specifically yours and are either correct or incorrect.

3. Make a list of all items you consider to be questionable or negative. Clearly identify each item in your report that you dispute, explain why you dispute the information and always show proof.

4. Write a dispute letter to each credit repository making the claim. (See our sample credit repair letter) click here -->. Provide any and all documents that help justify your claim. On a separate page add your full name, date of birth, current address, former address, driver's license number, social security number, home and work phone numbers, employer, spouses full name and add a utility such as a electric or phone bill that shows your exact name and correct matching address. If you are a Sr. or Jr. etc., specify. If necessary and you're receiving a "Joint Credit Report" with a spouse or significant-other use the same directions as above for them. All of this information you're providing to the repositories helps their investigation go faster.

5. Send the letter(s) to all 3 credit repositories. Make sure you send it certified mail with return receipt requested.

6. Document and copy your efforts. Record when you sent your letters, and when you received the results or a form of communication.

7. Wait for (have patience) the repositories to investigate your claims.

8. Analyze and scrutinize your results.

9. Were the item(s) deleted or changed to your satisfaction? You may continue steps 1, 2 and 3 above until you feel the dispute is settled to your satisfaction. Remember, there is no charge for a reinvestigation. If you don't get the results you want, dispute the derogatory claim again.

That's all there is to it. Seems easy enough but you must have patience, because the credit repositories are not always cooperative or expedient. They make their money by providing credit reports to lenders not by fixing bad information in their databases.

- Your Clean Credit Fix

The 3 main credit repository addresses ARE current.

Trans Union

P.O. Box 1000

Chester, PA 19022

1-800-888-4213

Equifax

P.O. Box 740241

Atlanta, GA 30374-0241

1-800-997-2493

Experian

P.O. Box 2104