That is a specific problem, and it has a specific path. We work on the credit obstacle so you can go back to your loan officer in a stronger position — and we will tell you honestly whether that is likely before you spend anything.
We review all three of your credit reports and identify what appears inaccurate, outdated, incomplete, or unverifiable. Then we dispute those items on your behalf and follow the responses through.
Where something on your report is accurate and current, we will say so rather than take your money to challenge it. Often the most useful part of the review is finding out which parts of the problem are fixable and which are simply a matter of time.
A free review, your three reports, and a straight answer about whether we can help and roughly what it would involve.
Excel Credit Repair is a credit repair organization. We are not a lender, mortgage broker, or law firm, and nothing on this page is legal or financial advice. You have the right to dispute inaccurate information on your own credit reports at no cost by contacting the credit bureaus directly. Results depend on the individual contents of your credit file and on the responses of the bureaus and furnishers.