Re-establish credit

Most of our clients considering a

credit repair

or improvement project are contemplating some sort of financing. Many have

discharged a bankruptcy

or are otherwise trying to

rebuild their credit file

. Other client s are trying to evaluate the merits of a potential "credit fix" result as it relates to loan programs available "before" and "after" so to speak. One Touch Lending now offers its unique technology, Credit Evaluator, a very inexpensive service that actually re-computes your credit risk scores if you were to successfully change specific elements of your credit file. We will assist in each stage of the process. We will evaluate your current credit and make financing suggestions, given no changes. Then we will suggest changes, if possible, and using Credit Evaluator, assess your financing options predicated upon positive outcome of credit file changes. We will then assist you in making these changes. The most important aspect of this process is that you understand it and are accurately informed about the timeframes and potential benefits.

Weighing the advantages of paying off current debts or old credit card debt, collections and charge-offs by refinancing and thereby improving your credit, is a major decision. In our opinion, paying off the old debts is not always the most prudent choice. This is another classic example of each individual circumstance requiring thoughtful, professional analysis.

We have learned that when it comes to re-establishing credit and adding credit to your files to improve your credit scores, "time heals all wounds." In order to determine more specifically what to do about your credit report, we suggest that you take advantage of our free information.

Throughout the FREE information we offer, you will see that we are not in favor of the services provided by "credit repair" companies or "debt consolidation" companies.

Whatever your questions are regarding the imperfections of your credit report (we have heard them ALL), we are very seasoned loan professionals, who have the compassion that it takes to listen to your personal story. It's what we do - every day.