Top 10 Reasons Why Mortgage Brokers and Realtors



Top 10 Reasons Mortgage Brokers and Realtors

Should Use Credit Justice Services!

These services make so much sense; you would assume everyone in the mortgage industry would be using them. However, this is simply not the case! So the question is -- why not? There are a lot of non-reputable credit repair companies out there. Make sure your clients know that Credit Justice Services is a national company and fully transparent. This means that both the CCC and the client can see the letters being sent out on the client’s behalf. No other company does this. All other credit repair companies will send the dispute letters to the three major credit bureaus on the client's behalf without the CCC or client ever reviewing the letters.

Let's outline the top 10 reasons loan officers and mortgage brokers should utilize the services of Credit Justice Services.

1) Credit repair works!

Credit Justice Services has years of experience in the credit repair industry. The credit bureaus hate us and our clients love us. We make sure that the three credit bureaus confirm the accuracy of all negative trade lines.

We use consumer protection laws to force the creditors and credit bureaus to produce the information that they must have to verify the debt. Specifically, they must prove that everything is 100% accurate. If they do not have the documentation or they reported something incorrectly, then by law they must remove it!

Knowing the specifics of the ever-changing laws is crucial. If the consumer happens to know the ins and outs of the laws and has the equivalent of years of experience doing this work day in and day out, he or she then might get the same results we at Credit Justice Services would. In a similar vein, the consumer is also free to represent him or herself in a court of law, prepare his or her own taxes and sell his or her own home. But most people hire attorneys, accountants, and realtors to get these jobs done most effectively and as quickly as possible. In other words, hiring trustworthy professionals to repair credit is as vital to a person’s financial well-being as any of the other professionals people don’t think twice about employing.

2) Credit repair makes a client's credit better.

Credit Justice Services’ primary focus is credit score improvement. This is done by disputing the accuracy of a negative trade line with the credit bureaus. If the three credit bureaus cannot prove the accuracy of the disputed negative trade line, it must be removed under the FCRA (Fair Credit Reporting Act). We also educate the client on how to use credit to positively affect credit score. The value of our advice can last a lifetime.

3) When negative items are removed, they stay away.

After we have removed negative items from a credit report it is always possible that the original creditor can re-report the negative item. However, this is rarely the case. Given that the original creditor generally will only hold the debt for 4-6 months, they do not waste the time or the money to check on these items and re-report them. What typically happens is that the debt is sold or transferred to a collection agency which will re-report them in an effort to pressure the client to pay the debt. When this occurs we can go back and dispute the items under the same dispute that removed them in the first place.

 4) Removing old negative items improves scores.

35% of your clients’ scores are based on these derogatory items. This is the biggest slice of the credit-score pie! The fewer derogatory items they have, the higher their scores can be. On average, our clients see an increase in their scores between 50 and 100 points in only 75 days.

 5) It frees up your time if you are trying to repair your client's credit yourself.

Consider this: as a loan officer you are paid to originate loans. The more loan volume you write, the more money you make. A simple business concept called "leverage" dictates that the way to make the most money is to spend your time doing the things that generate the most income for your business. For you, that means meeting with clients and taking applications.

 Show me a loan officer who processes their own loans and I will show you a loan officer who closes very few loans. Focus on the things that are most lucrative to you and delegate the other tasks to people who are proficient at those activities. How many times have you spent hours trying to repair someone's credit only to be unsuccessful or have he or she go elsewhere to get the loan?

Allow Credit Justice Services to be your "Ace in the Hole" for all of your short-term and long-term credit score improvement needs, and make money at the same time!

6) The client saves significantly more than the cost of the service.

 Given the tremendous impact one’s credit score has on one’s overall financial life, the question really is, how can your client afford not to contract with Credit Justice Services? Credit affects your client's mortgage payments, car payments, credit card payments, auto and homeowner’s insurance premiums, and the list goes on. If we improve your client’s credit score by 50-100 points, how much can you lower his or her monthly mortgage payment?

 7) Not everyone with whom you work has great credit.

If you have been in the mortgage business for 10 years or more you are seeing more bad credit reports than you probably ever have. With the changes in the bankruptcy laws and the sub-prime lending market tightening up significantly, getting loans approved will continue to decrease! Currently, at least half of people in the market for loans are candidates for sub-prime mortgage products.

 8) At Credit Justice Services, we can be trusted.

Every industry has people who operate unprofessionally. Credit Justice Services looks upon this as a tremendous opportunity to distinguish ourselves. In addition, a lot of the negative stigma in the credit industry about credit repair companies is hyped up by none other than the credit bureaus themselves.

 Think about it for a minute. A dispute by a consumer or a credit repair company is going to add overhead to the credit bureaus’ operations. If the dispute process is successful, then the consumer will not be applying for credit as often because they do not need it as much. This reduces the credit reports sold by the credit bureaus. Is it any wonder that the credit bureaus would create bad press about credit repair companies?

 9) Five out of ten clients are loan worthy in the first 90 days!

There are many credit repair companies who only work on 1-3 negative trade lines at a time until they are removed. They do it this way because they charge your client a monthly fee. If the client has 20-40 negative trade lines, which is not uncommon, this could easily take 2-3 years. Given this, we understand why you might feel the process takes too long.

 At Credit Justice Services, we pride ourselves on speed and accuracy. We are not limited to a couple of trade lines per bureau per month. We give your CCC the opportunity to receive automatic email notifications each time your client’s file is updated. They can log in to our secured web site and track each client you have sent to them. They can review the letters they sent out, review the deletions from their credit reports and much more. Proper follow-up is KEY to closing more loans.

10) It is important to care even if you cannot close the loan this month.

In certain situations we may be able to bring the score up in 30-45 days to get a loan completed. If it can be done, we are uniquely qualified to get it done. However, the goal of our service is to increase the scores 50-100 points in 90 days. This may allow you to do a band-aid loan today and guarantee a second transaction in the future. In addition, the long-term loyalty this creates between you and your clients will keep them coming back to you for life.

 You don't send clients to Credit Justice Services because you have nothing better to do with them. Rather, you send them to Credit Justice Services because you care enough about their future.

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