I've learned in my years of experience as a Mortgage Broker, that there are typically two things that hinder people from buying a home, lack of fiscal management (BAD CREDIT) and lack of fiscal management (High DTI). So, if there was a way to help individuals who really wanted to increase their credit score and or reduce their debt, would you be interested in doing so.  Of course you would, that would mean more homes sold and more loans closed, so here are a few tips.

1. All consumers are entitled to one free credit report per year.  Visit www.annualcreditreport.com, while this site will not give you a free score, it will allow you to access all three reports and view the items being reflected. 

2. Once you have the report there is also a section right on the same website where you can actually despute items.  The fact is, that unless a company can provide you with written documentation, they must remove items within 60 days of your request.

3.  Your current credit card debt should not exceed 30% of the actual limit of credit extended.  PICK UP THE PHONE!  Call your creditors and ask them to lower your interest rate and increase your limit, the more you ask for the more likely you are to get something.

4.  If you don't want to be bogged down with more paperwork and to do items, feel free to visit www.fdirep.com/yourmillionairedate and click Join Now, this is a proven company which can help you increase your credit score by 50 to 150 points, as well as eliminate your debt in 1/3 to 1/2 the time. 

To review the products and services simply click on the link www.fdidvd.com/yourmillionairedate

Cecelia Marlow - Senior Mortgage Consultant -773-782-6000