Credit Analysis and Review If your credit scores are below 700, you have inaccurate or incorrect information on your credit report, or if you are trying to reestablish credit after financial difficulties, we can provide you valuable information that can help you raise your credit scores.  We give you the information you need to manage your credit scores now and in the future.

Among the areas we discuss with you are:

• Ensure that the information reported on your credit report is accurate and error free;
• How to correct inaccurate or incorrect data;
• How your utilization of credit impacts your scores and what you can do;
• Type of credit, and the number of accounts;
• How to resolve derogatory credit information such as judgments, liens and collections;
• Truth about credit inquiries; and
• Ideas on how to reestablish credit

We will also talk about how your credit scores and credit history may affect the loan programs and interest rates that are available to you.  In cases where your credit may have a negative impact on your loan we will present appropriate alternatives and in certain cases, we may recommend specific steps be taken prior to proceeding in order to obtain a loan that is appropriate and that will meet your financial objectives.

This is an area Spectra Mortgage is passionate about helping our clients with because it can result in thousands of dollars in savings for them from reduced financing costs.  We believe our desire and willingness to work with anyone and everyone to give them the tools necessary to improve their credit scores sets Spectra Mortgage apart from other mortgage companies, especially retail banks and credit unions.  We offer this service to everyone we work with at no additional cost beyond the cost of the credit report, which is substantially less than what is available for purchase directly by you.  We also provide ongoing help to anyone we complete a loan for.