What Home Buyers Just Don’t Understand About Their Credit

What Home Buyers Just Don’t Understand About Their Credit

Many times towards the end of my credit program I ask a client who was the person that referred them to me if I don’t have access to the information right then. Too many times I am told. “I don’t remember so just tell me where I need to go”.

This is a typical response mostly due to the fact customers do not understand the home buying industry. I always tell them most loan officers or realtors if you are not qualified typically toss you aside and don’t bother sending you somewhere for help as you’re not a qualified buyer. I also tell them while I cannot force you to go back to your Real Estate Agent or Loan Officer what you need to understand is unless they work for a major bank the loan officers are commission only as well as the realtors. Which of course means they do not get paid until they sell a home or a loan.

It’s important to know this as each of them go through a lot on the hopes that you can qualify to purchase as a serious buyer.

They cared enough to send you to someone who can and did help you. The right thing to do is what karma says to do. You show that loyalty back to that professional who cared enough to point you in the direction of someone that can help put you in the position of being a home owner. So now you can go back to them as a qualified buyer and you now have someone to refer friends to as you can say with confidence they cared enough to help you when others did not.

About Wayne The Credit Guy:

Wayne Sanford, also known as “Wayne the Credit Guy“, is the owner of New Start Financial Corporation. With nearly a decade of experience working in the credit industry, Sanford has personally reviewed more than 13,000 consumer credit files for mortgage professionals, investment groups and consumers.

Labeled as the “Company with Credentials“, New Start Financial Corporation works with financial professionals and consumers across the country. Sanford and his staff offer “real world” advice and help layout the best course of action consumers need to follow in order for them to achieve their financial goals.

Perfect Credit Score Makes News

There is a difference between good credit and perfect credit. In fact, perfect credit is so rare, it makes news when it happens. Like a Vegas Casino, the credit game is set up with the house winning more than not…contact Wayne the Credit Guy and learn how to make the credit game work for you.

 Less than 2/10ths of 1% of the “scorable” population has a perfect 850 FICO score.

http://www.mainstreet.com/article/moneyinvesting/credit/debt/man-achieves-perfect-credit-score-issues-press-release

What exactly is a credit score?

What exactly is a credit score? Are there different ones? This short video gives you a overview of that and more.

Credit controls our lives, But people do not know how important credit really is until you need it TODAY and then it’s too late. Majority of Credit Repair companies out there you speak to are sales commission only sales people. So they typically tell you what you want to hear to get your money.
While there is nothing you cannot do that a credit repair company can do REMEMBER… there is a difference between disputing and getting results.

Having a credit company who understands the underwriting criteria of future lenders and how they look at you is more important than you can possibly realize.

Bad credit, credit repair, repair credit, How to repair credit, fix credit, credit fix, how to fix credit…. No matter how you say it you don’t realize how important credit is until you need something today and then it’s too late.

Credit Card Responsibility

A credit score is a 3 digit number that tells lenders how you pay your bills. Think all good credit is created equal? Think again, Many people do not want to use credit cards but unless your rich and wealthy you will need your credit sooner than you may realize. The “cash only” lifestyle doesn’t work typically for a house or car. have you credit ready for when and if you need it.

Having a credit company who understands the underwriting criteria of future lenders and how they look at you is more important than you can possibly realize.

Bad credit, credit repair, repair credit, How to repair credit, fix credit, credit fix, how to fix credit…. No matter how you say it you don’t realize how important credit is until you need something today and then it’s too late.