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Credit Repair: Act Now

May 14, 2008
Now is the Time

If you are one of the many millions of people who have purchased a home with sub-prime mortgage financing over the last two or three years, now is the time to get to work on your credit report to make sure that you are able to refinance when the time comes. And the time will come before you know it. Credit repair expert Jim Kemish discusses the changing mortgage market and how you can survive, and even thrive. But you must act now.

There is a Lot at Stake

Are you a sub-prime borrower? Chances are that you have had credit issues in the past. There are many reasons for you to make credit repair an immediate priority in your life. There are also many reasons that you might hesitate. Credit reports are not fun to read. Past credit issues are not fun to think about. But there is a lot at stake. Consider hiring a credit repair professional to help you through the process. You can regain control over your own life.

Sub-Prime Financing an Overview

Sub-prime mortgage financing has gotten a bit of a bad rap recently as home values have moderated and borrowers have been unable to escape the inevitable rate increase that is built into the vast majority of sub-prime mortgages. There has been a fair amount of financial hardship blamed on the sub-prime mortgage industry. But there is more to the sub-prime market than meets the eye.

The Benefits

Did you know that over 20 percent of all mortgages originated from 2004 through 2006 were sub-prime mortgages? The sub-prime mortgage industry was developed to accommodate the enormous number of Americans that, due largely to bad credit, could not qualify for traditional home financing. Home ownership is a legitimate and valuable financial goal. And sub-prime financing made it possible for an amazing number of Americans to own homes.

Reality Sets In

Are you facing an interest rate increase? It is true that the sub-prime market has largely evaporated. But there is still hope. Forget the mortgage market and turn your attention to yourself. It's time to become very proactive about your own credit report. And it is absolutely essential that you act immediately. Please don't neglect this advice. I am well aware that a large number of people with credit issues feel completely helpless. The thought of consulting a credit repair professional may seem pointless. Nothing could be farther from the truth.

Credit Repair Can Save Your Life

I have provided credit repair services to people for a very long time. I speak from experience. Almost without exception people are amazed at the impact that a competent credit repair professional can have on their credit scores, the content of their credit report, and on their ability to completely transform their financial life. When I say that credit repair can save your life I am totally serious. It can also save your house. It can save you tens of thousands of dollars. It can bring you confidence and the long lost knowledge that you have control over your own life.

It's Your Life

I know that you do not want to be dependant on the availability of sub-prime financing. It is time to take action. The first step is to consult a credit repair professional. You might be surprised to hear that your past credit problems are probably not the sole, or for that matter, the largest factor in your low credit scores. There are a terrible number of errors ranging from subtle misreporting to obvious redundancy that plague consumers and damage their credit scores. The first step in an effective credit repair program is to identify every single one of these issues and eliminate them. But there is more.

Credit Score & Credit Content

Real credit repair requires an intimate knowledge of the impact that every item on your report can have on your credit score. A credit repair professional will make sure that everything that can be done to improve your scores is being done correctly. You cannot afford to ignore anything. The impact of a competent and complete credit repair effort is amazing. Innumerable people start credit repair programs with a skeptical attitude and end up as true believers.

You Have the Power

You have the power to transform your own life. Please don't believe that because you have made late payments in the past that you are destined to live a life of financial gloom. If you take action to repair your credit you will discover a whole new world of possibilities. Just put one foot in front of the other. Seek the advice of a credit repair professional. When the time comes to refinance your mortgage you will discover that you have more choice than you ever thought. You can make it happen.

Copyright 2007 James W. Kemish. All Content. All Rights Reserved.
About the Author
Jim Kemish, a well known credit repair expert and consumer advocate, is the president of Sky Blue Credit, a leading credit repair service since 1989. Jim is also the president of Power Mortgage, a Florida mortgage company.
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