Watch Out For Credit “Repair!”

Hi, I’m RJ Baxter with Fairway Independent Mortgage, and I’m standing today in front of beautiful Evergreen Lake in Evergreen, Colorado and what better place to talk about credit scores?

I’m just kidding, of course, goofy to be talking about credit scores in front of a lake, but nevertheless pulled out my camera here. So let’s talk about it. Specifically what I want to talk about is how to improve your credit and to watch out for these credit repair companies.

When you’re looking at credit repair, the companies that are out there advertising, they typically charge a monthly fee, even if they’re law firms.

There’s a lot of them that are law firms. They have lawyers. It’s not that they’re not legitimately law firms, but these companies, make money if you’re in their program. They have you pay that monthly fee. They don’t have an incentive to get you out of that program and in a lot of cases, people don’t come out of those programs.

Plus we don’t see a very high success rate when people go to outside credit repair companies because, again, they want to keep you in their credit repair program so that you keep paying that monthly fee. It’s a subscription-based business model.

What I want to talk to you about is something that we can do through Fairway called Credit Tool!
Where we help you to improve your credit score through:
– prudent financial advice
– through advising you on what to do with your different trade lines
– how to perhaps challenge a collection
– how to maybe pay down a credit card to get your credit score up
– through more solid and proven methods to get your credit score up

And this is not just for people with poor credit. We help a lot of people that have really good credit to get their score to the excellent level so they can get a better rate and better loan terms.

So call me, we can talk more about that. Take a look more in depth at your credit report and see what we can do to improve it. Once again, my name’s RJ Baxter, Fairway Independent Mortgage. Have a great rest of your day.

RJ Baxter Branch Manager NMLS# 395819
165 S. Union Blvd, Suite 400 Lakewood, CO 80228
Office # 303-670-0137
eFax: 720-398-3314

Licensed in AL, AR, AZ, CA, CO, FL, IA, ID, IL, MT, TN, TX, and WA