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credit repair: History of Credit Bureaus, a story about how they got started. Part 1. - 11/16/08 10:04 PM
Let us take a little look at how credit bureaus came into existence. Back around 100 years ago, if you applied for a loan, your credit file was ordered from the local credit bureau (all credit bureaus were local back than).  These bureaus were regional, and often times very small. A secretary went in the back office, and pulled out a paper file with the person’s name on it. Someone would look at the file and decide if they would offer you credit . If there was a questionable marking or error on the file, a simple phone call or visit … (1 comments)

credit repair: Credit Repair Results? - 04/23/08 11:39 PM
I have recently posted results online at Credit Repair Results just click on any of the blue numbers to see the actual results.
Recently we have recently setup a back end system for our referral partners where they can track the progress of the clients that they have submitted to us for processing. This is a very important system as you will now know when your clients scores have increased to the amount needed.
We also launched a referral program where each client you send us that signs up for our service will earn you a $75 referral fee and if you … (0 comments)

credit repair: Active Rain Members: Free Credit Repair - 04/20/08 09:30 PM
After reading a number of posts here on Active Rain about credit repair, as well as doing a lot of research, I have concluded that most Realtors and loan officers have had bad experiences with Credit Repair. Being Realtor/Loan Officer for the last 5 years as well as owning a credit repair company I know how important it is to deliver what you promise and to get great results. I have recently dedicated my entire time to helping others improve their credit.I have decided to give one member of Active Rain six months worth of credit repair for FREE. The person … (2 comments)

credit repair: Credit Repair that gets results. - 04/12/08 03:57 AM
We have posted some of our clients results online Effective Credit Repair.

… (2 comments)

credit repair: Credit Tips That Will Score Lower Interest Rates - 09/03/07 04:19 PM
A good credit score translates into lower interest rates for home−shopping borrowers. In
a mortgage lender's eyes, the higher your score is, the less risk you are, and the more
likely it is you will pay off your debt. For this reason, borrowers with lower scores usually
end up paying higher interest rates on their loans.
If this is you, don't panic. There are a number of things you can do to adjust your credit
score to receive a favorable review from the underwriter. Here are a few suggestions:

Should I pay off all my past due balances and charge−offs? … (2 comments)

credit repair: Protecting your credit during divorce - 08/27/07 04:51 PM
Hayden Gerson
Branch Manager
America One Mortgage
 
Los Angeles, CA – When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn’t have to change is the credit status you’ve worked so hard to achieve.
 
Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay bills, the maxing out of credit cards, and a total breakdown in communication frequently lead to the annihilation of at least one spouse’s credit. Depending upon how finances are structured, it can sometimes have a negative impact on both parties.
 
The good news is it doesn’t … (0 comments)

credit repair: Understanding Credit Scoring & Credit Repair - 08/27/07 03:30 PM

Understanding Credit Scoring & Credit Repair
Hayden Gerson
Branch Manager
America One Mortgage

Los Angeles, CA– Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. Sub-prime borrowers who are eager to move into A-Paper territory often find themselves at a loss when trying to find ways to upgrade their credit history. The good news is there are ways to improve less-than-perfect credit scores and obtain a loan for the home you really want.
… (1 comments)

 
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Hayden Gerson

San Diego, CA

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HPM Financial LLC

Address: 2534 State Street, San Diego, CA, 92101

Office Phone: (800) 701-5022 x 101

Cell Phone: (619) 600-0095

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HPM Financial and Hayden Gerson disclaims liability for any damages or losses, direct or indirect that may result from use of or reliance on, information contained in the blog or for accuracy of comments or opinions of visitors to my blogs


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