new blog

We've moved! Please find us here: http://garcia75061.wordpress.com/

thanks!

First Time Homeowners Tax Credit is Extended Until April 2010

Great news is on the horizon for first time homebuyers. On November 6, 2009, the government initiated a law that extends the first time homebuyer credit for an additional five months. This law is not just for Texas mortgage owners but anyone in the entire nation seeking a new mortgage.

As consumers, anytime we can grab an additional tax credit, it is great news. An extension that allows us more time is even better. While the maximum credit amount is anchored at $8,000, there is an additional “long-time resident” credit of up to $6,500 for those who do not fall into the first time homebuyer category.

Are You Able to Benefit from this Law?

While this tax extension is great news for some, for others it may not be. For those experiencing rejection for mortgage loans due to bad credit, this news doesn’t mean much. That’s where we come in.

Our specialty is credit repair for Texas based clients, but we do work with clients all across the nation. We improve credit scores on a daily basis, especially in regard to mortgage loans. The foundation of our company is built on improving credit scores for those seeking mortgage loans.

While this new law differentiates between those purchasing before or after November 6, 2009, in regard to modified adjusted gross incomes (MAGI), in both regards those with income over a certain tier do not qualify. Nor does this credit apply to any home being purchased at $800,000 or more. Most of us don’t need to worry about that.

However, if you are wishing to take advantage of this tax credit extension for first time homebuyers, but have some challenges with your credit score, we can help. We can not only enact credit repair to get your credit file where it needs to be in order to get a decent interest rate, but we may be able to get your credit file completely reworked in as little as two weeks.

Rapid Rescore for Texas

Through Rapid Rescore, a program catered for mortgage loans, we can work your credit file at lightning speed. Not everyone qualifies for the Rapid Rescore program, but if you do it can be a great advantage for you.

For more information on the new first time homebuyers tax extension law, why not go straight to the source? Read the full scoop here: First Time Homebuyer Tax Extension Law.

For more information on credit repair and Rapid Rescore, please visit us at Turn-Key Credit Solutions.

How Can Rapid Rescore Help Texans with Credit Repair Efforts?

If you are seeking a mortgage in Texas but have been turned down, Rapid Rescore may just be the answer you need. The current economic situation has made obtaining a mortgage in Texas a bit challenging. When factoring in the fact that many consumers’ credit reports have taken negative hits, it makes dealing with credit files related to mortgages quite tricky. This is where Rapid Rescore can be a huge advantage.

So what exactly is Rapid Rescore and how can it help you directly? Simply put, it is the rescoring of your credit report done in a rapid manner. Certain supporting documents are required and not everyone is eligible. It’s also important to note that it is different from traditional credit repair.

In most cases, Rapid Rescore can remove erroneous information in as little as two weeks. Sometimes the process can be done in just a few days. Considering normal disputes take thirty days or more to be resolved, this is an incredible process to utilize.

Let’s look at how it works:

First, when you apply for a new mortgage or to refinance an existing one, mortgage lenders use a third party company to pull your credit report from the top three credit bureaus: Experian, Equifax and TransUnion. These third parties prepare the data the mortgage company needs. These same third parties have the ability to update certain accounts that perhaps are not up-to-date on the reporting or are not accurate or are deemed as too vague as the report was sent only to satisfy underwriting requirements.

These same third parties can also utilize proper documentation to update discrepancies on your credit report such as incorrect credit card balances. They can also remove an account that has been inaccurately placed and should have never shown on your credit report to begin with.

Once your data is updated, your credit report is then “rescored” to give an accurate measurement of credit risk. Considering FHA loans in Texas require as high as a 620 credit score, which may go up to 640 very soon, being able to show account balances paid down as well as removing any negative reports quickly can be quite a necessity. Rapid Rescore can be the key to getting you approved for the mortgage you need and locking in the rate you deserve.

When Rapid Rescore is processed by a mortgage loan officer or a credit repair specialist who understands how FICO works and who specializes in Rapid Rescore, this can be a great investment for the consumer. However, if someone not understanding how FICO works or Rapid Rescore attempts this process, it can be a nightmare instead.

When the time comes to take control of your needs for credit repair in Texas so you can get that mortgage loan you’ve been trying for, turn to the top credit repair provider in Texas: Turn-Key Credit Solutions. We are not only one of the few credit repair companies in Texas who have the expertise needed to effectively utilize Rapid Rescore, we are one of the few in the entire U.S.

Contact us today for more details: Turn-Key Credit Solutions

Credit Class in Austin TX Proves to be More than Just a Class!

A top-notch Credit Class in Austin TX is only one thing we at Turn Key Credit Solutions offer, but it's one to definately recognize and discuss.

Turn-Key Credit Solutions now provides MCE Credit Classes for the Texas Real Estate Commissions. Turn-Key Credit Solutions also leads the industry when it comes to educating clients and business associates on the credit industry itself. We are also the very first credit repair company to go that extra mile by becoming certified to teach credit courses.

To learn more on our Credit Class or to simply sign up, please visit: http://www.turnkeycreditsolutions.com/credit-class.php

Turn-Key Credit Solutions is based in Austin TX but assists clients across the entire nation. Having an excellent start with helping mortgage companies by getting their clients' credit scores cleaned up to be able to take on the mortgage loans they were seeking, Turn-Key Credit Solutions came out of the gate strong and has never stopped.

We only continue to grow, advance, and shake up the industry. Competitors are trying to copy pur business methodologies but are just not able to. We are a force to be dealt with and a company to have on your side.

For more information on Turn-Key Credit Solutions, please visit: http://www.turnkeycreditsolutions.com/index.php

You can also contact them here: http://www.turnkeycreditsolutions.com/contact-us.php

Rapid Rescore

Rapid Rescore just may be the solution you're looking for to fix your mortgage dilema. If you are needing a new mortgage loan or to refinace an existing mortgage loan and you need to do it fast but your poor credit score is standing in the way, we can help. Rapid Rescore is the fastest credit score correction process there is.

We are one of the few companies in the entire nation to have the extensive knowledge is takes to effectivley utlize the Rapid Rescore system. If you are eligible, we can have your credit score improved in as little as a few days to a couple of weeks. Now that' rapid!

See our site for details and contact us through our form. We'll contact you back very promptly:

http://www.turnkeycreditsolutions.com/mortgage-loans.php#rapid

http://www.turnkeycreditsolutions.com/index.php

http://www.turnkeycreditsolutions.com/credentials.php

http://www.turnkeycreditsolutions.com/additional-services.php

Auto Loans and Credit Scores

Auto loans and credit scores work together, so if your credit score is not where it needs to be, we need to get it there. Otherwise you will be paying so much in unnecessary finance charges you just might cry.

We have over 15 years experience in the credit industry and we have over 10 years specificially in the automobile industry. First we'll assist you by maxing out your credit score potential so you can get a decent interest rate on your auto loan. Then we can also help with finding you an automobile and we can even help with the financing.

Please visit us today for more details and fill out our form so we can contact you promptly:

http://www.turnkeycreditsolutions.com/auto-loans.php

http://www.turnkeycreditsolutions.com/additional-services.php

http://www.turnkeycreditsolutions.com/credentials.php

http://www.turnkeycreditsolutions.com/index.php

Mortgage Loans & Rapid Rescore

Mortgage loans is one of our specialities. Besides being able to maximixe your credit score to get the highest credit score for you as possible, thus saving you thousands of dollars in unnecessary interest, we can help you directly with a mortgage loan.

We may even be able to utilize Rapid Rescore to get your credit score corrected quickly and easily, sometimes in as little as two weeks. We're one of the very few companies that has the extensive knowledge needed to be effective with Rapid Rescore out of the entire United States.

We're also registered and bonded, making us a true Credit Score Organization (CSO). All of our consultants are also FCRA (Fair Credit Reporting Act) certified. See our site for more details and feel free to contact us through our form:

http://www.turnkeycreditsolutions.com/mortgage-loans.php

http://www.turnkeycreditsolutions.com/credentials.php

http://www.turnkeycreditsolutions.com/additional-services.php