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Holliday Credit Repair is here to help clients qualify for their own home, purchase a car, and even help them start food trailers at Joe the Cart guy! What started as a small term plan to help customers build credit FREE of cost using Joe The Cat Guy food trailers here in Richmond, VA. Actually, turned into a steady credit repair program we use to help individuals/families achieve their dreams! We understand your dream to purchase a home, car, or start a business can end once you see a rejection stamp on your application. The rejection stamp is what inspired us to start Holliday Credit Repair and help struggling individuals bring their dreams to life. Holliday Credit Repair has partnered with realtors, Ford sales representatives, mortgage brokers, and archer capital bands in CO, and others in the hope to offer you the best options possible. Enabling individuals to weigh the pros and cons before making a final decision. Home Buyer ProgramsWe offer a tried and tested homebuyers program that can help you secure your dream home! It does not matter how good or bad your credit score may be, we are ready for the challenge! Once you get started with us, we will walk the extra mile to find and secure your dream home. Making sure you are well covered for years to come, and can easily make every single mortgage payment in line to make you a homeowner. The personal advisor takes on every case with a positive attitude ready to help you get started on the process in no time. Car Purchase FinancedHelping you secure a car that offers great usage and quality of drive is a dream. Rather than having you tie your money up, or hide behind unseen fees we give it to you as it is. Allowing you to make decisions based on facts, rather than getting stuck with a car or payment plan that drains you over the years. A smart and transparent process design keeping your ease in mind. Helping Start-UpsHolliday helps startups achieve their dream by helping them from the start to the end. Not only do we participate in the planning process, we now offer lenders ready to help you finance your dreams. Starting with how to start a food trailer, and ends with how to retire their food trailer at Joe The Cart Guy. Fixing Credit Reports & Filing Dispute Our main goal is to help you fix your credit report and build on your score piece by piece. Studies show that more than 80% of the population gets some errors in their credit data report, which can easily be ratified by filing a dispute. We understand you are too focused on your life to deal with these tiny errors, but these tiny errors can cost you a great deal in the long run. This is why we have taken on the responsibility to get every error fixed and help you build your credit score through a steady process.
There are many ways one can improve their credit score, and once all the disputes are dealt with; we can get started on helping you improve your credit score. Our experts take a deep dive into your personal finances and find ways they can help your overall score. On average you can expect your credit score to grow 60 points in the coming six months. However, one must keep in mind that this is not a set number, and the addition or deduction of the points is based on how well you follow the suggestions made by our experts.
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Due to COVID19, we have seen a great shift around the world, with businesses closing down to government-mandated curfews - there is a lot we never imagined. One place that saw a great impact apart from your health and safety was your credit score. While your health and safety takes lead, your credit score should not be second. It takes years to build the perfect credit score, so don't let it slip by so easily. Yes, times are harder than we could have imagined in our worst nightmare. However, there is light at the end of the tunnel, and it's best to keep your belt secured in place. These are the times when you must be proactive with every aspect of your life including your financial situation. Start by monitoring your credit, and staying on top of your finances and the resources available.  How To Maintain Your Credit Score During COVID19Paying Bills - We understand it's not going to be easy, but try to at least cover minimum debt payments before they pass their due date. This helps secure your credit score and ensures you meet the minimum requirement.
Lenders Help - Talk to your lender about the hardship you have faced, and try to come up with a payment plan that works for both of you. There is a global pandemic happening, so chances are your lender will understand and ament payment policies on a temporary basis. Regular Check - The same way you regularly check your health, you must check your credit reports. Making sure every dot is in place helps prevent damages and extensive procedures. Making sure you are on track, and can easily maintain your standing. Online Disputes - If you see any errors you can easily dispute an issue online. The process remains the same, you attach a letter of dispute along with proof. Keep in mind that you must file a dispute with the credit bureau that showed the incorrect information. It might take longer than expected, due to endless online queries and disputes. Flexible Payments - Get in touch with your utility, cell phone, cable, and other monthly providers and try to set up a flexible payment plan. There are companies that offer a pandemic payment plan that helps you ease off the payment, while still enjoying the coverage. Allowing you to keep you and your family on track and entertained even when trapped inside. Identity Protection - Protect your identity at all times, and never offer details to anyone over the phone. During these hard times you don't need extra stress on your plate, so flat out refuse to offer any personal information over the phone. Furthermore, it's best to get in touch with your bank yourself regarding any issue directed by the individual, making sure you are in good hands - and your information is safe and secure. Budget Plan - Planning ahead of time can help you sort your money in a smart manner. This way you won't overspend today and worry tomorrow, you can maintain a healthy flow that lasts you a while. Allowing you to keep some money on hand, rather than sitting and wondering how to pay for your next meal. Only with a smart budget plan can you ensure your basics are covered through the pandemic and its impact. Financial Assistance - When you find yourself trapped in between payments it's best to look for financial assistance. There are certified companies such as Holliday Credit Repair that can help you maintain your credit score during the pandemic. Offering you great opportunities to keep yourself afloat even when times get tough. A bad credit score is not just a number, it is a number that weighs heavily on how you live your life. It's the number that defines your current state, but it does not define you. Just like a bad habit, you can break free from a bad credit score - so why wait when you can get started now. To help you get started we are offering you 5 ways you can find the perfect realtor even when you have bad credit.  Finding out you have a bad credit score is not the end of the world. Yes, it's not easy to live with a bad credit score, but that does not mean you will never be able to turn your life around. Let's start by finding you a realtor that takes on clients with a bad credit score.
Are you tired of writing checks to your landlord every few weeks, but are unable to purchase a home due to your bad credit score? Looking for a way to make things work even when you are at your lowest? The good news is there is still hope for you, and what you need to start with is your credit score. If you do not know where you stand, we suggest you start by finding out exactly how deep in the barrel you are. Once you have your credit score in hand, here are the 5 steps you need to follow to find the perfect home with bad credit.  Step 1 Start by checking for errors in your credit score. Keep in mind that your credit score is calculated using your credit data in your credit report. The credit data is a view of how you have spent borrowed money, and if you see any errors that damage your credit rating it's time to file for a change. Every citizen receives a free copy of their credit score every 12 months, and you can even use online sources to get a copy. Step 2 Once you have determined what your exact credit score is, get ready to pay a higher percentage of interest rate. Due to your current credit score, standing lenders are going to charge you more due to the risk involved. This allows the lender to protect themselves in case the partnership does not work out in the long run. Moreover, most individuals with a low credit score are known to miss a payment date or miss the payment on a whole. For instance, you take on a 30-years fixed-rate mortgage loan for $200’000 with a 3.77% interest rate. Your monthly payment without property taxes or homeowners insurance should be about $928. On the other hand, when you take out the same amount with a 5% interest rate, your monthly payment without taxes and insurance will be about $1’073. A $145 difference per month, that will add up to $1’740 annually. Step 3 Loans offered by the Federal Housing Administration (FHA) accept a lower credit score. With a 580 FICO credit score, you can easily qualify for an FHA insured mortgage and even get a 3.5% down payment. However, your first FHA loan will be insured by the FHA, but they come from mortgage lenders. Similarly, while they are open to offering loans to individuals whose credit score is as low as 500 - it does not mean they accept every application they receive. Furthermore, FHA loans come with financial penalties, and you cannot cancel their mortgage insurance throughout the loan period. Another catch with FHA is that their mortgage insurance ranges a bit higher than others, where you can find yourself paying anything from $40 to $83 on a $100’000 loan. Step 4 Lenders are more open to you when you offer a good chunk of money as down payment. There are times when you can even secure a 3% or lower interest rate based on your down payment. Additionally, a larger chunk of down payment can even secure your approval, while others are easily rejected due to a bad credit score. When you put in more money as a down payment, you show that you are interested in making a change. Creating a certain level of trust that enables the lender to see you are willing to stick it through the entire process. Step 5 Rebuilding your credit score even by a little can help you secure the perfect home even with a bad credit score. When lenders see a change, and how you are working to build a better ranking, they are more open to offering you a loan.
Holliday Credit Repair can help you find the perfect home even when you have a bad credit score! Get in touch and get started with the process. |
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