Information on Credit Repair

Real Estate Agent with Robin Scott, REALTOR® 467100

Texas Realtor is One of My Favorite Magazines

There is a larger number of well written and pertinent articles in this publication which is delivered to all Texas REALTORS than any others I receive.

I just read a really interesting article about credit repair and of course it was written by the owner of a credit repair company. My plan is not to critic the article, writer or rewrite his story but there were some really interesting facts that I want to make available.

• bad debts remain on your credit report for 7 years.

• Bankruptcies will remain on your credit for 10 years.

• in Texas, Credit Service Organizations (CSOs) must register with the Texas Secretary of State's office - 512-475-0775.

• If you contract with a credit repair company, be sure to get all the terms in writing and there must be a notification to the consumer of their right to cancel within 3 days.

• You are entitled to one FREE credit report a year from each of the three companies - Experian, Equifax anf TransUnion

• The only truly FREE place to get a report is and that does not guarantee a credit score but just the report.

If you need to repair your credit prior to buying a house, be sure to do your research. If you are ready to go, give me a call or email me at 512.589.7988 or

Austin, Texas. Robin Scott, BROKER Certified Residential Specialist, Accredited Buyer's Representative, Seller's Representative Specialist. 512.589.7988.

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I want to be your REALTOR. If you are thinking of selling a house, give me a call. I'm happy to answer any questions you may have about the seller's disclosure or other matters involving selling a home. 512. 589.7988.


If you are interested in finding out more about Austin, living in Austin, real estate or buying or selling a home in Austin, I want to be your REALTOR. And I appreciate your referrals as well. Call or email to find out how I can help you. 512.589.7988 or


Austin, Texas Homes for Sale. Robin Scott, BROKER Certified Residential Specialist, Accredited Buyer's Representative, Seller's Representative Specialist. 512.589.7988.


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Harry F. D'Elia
Real Estate and Beyond, LLC - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

We all need to know about credit restoration with so many buyers needing this type of service.

Oct 21, 2010 02:28 PM #1
Matthew Boswell
Mortgage Architects: Matthew Boswell, Mortgage Planner - Mississauga, ON
Mortgages - Mississauga, GTA

The two most important things to do for credit repair are:

- Have at least 2 active trades with one of those being a credit card with a $2000 limit.

- Make your payments on time. Most lenders want to see at least 24 months with no late payment.

Oct 21, 2010 02:45 PM #2
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Robin Scott

Broker, CRS, ABR, SRS, REALTOR® - Austin Texas
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