Mr. Refinance - South Florida Mortgage Broker, Florida Mortgage Quote, Florida Home Mortgage Refinancing, Bad Credit Florida Mortgage Refinance

Mr. Refinance in partnership with SOS Financial introduces CREDIT BUILDER

SOS FINANCIAL'S mission is to first educate consumers on the areas of credit with the focus of legally improving their score, managing debt and help facilitate loan origination. For those who have lower than 'average' credit scores, you've more than likely been turned down because your score has kept you from attaining credit. For many of those classified as having 'bad credit' SOS FINANCIAL will strive to assist you in realizing your dreams quicker than you thought. We'll help take the mystery out of the ever elusive credit score and teach you the techniques needed to legally improve your score. Our service is designed to help you increase your score within a six month time frame.

The first step is to audit the four laws that have been established to protect consumers, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act, and the Health Insurance Portability and Accountability Act. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer's credit report. The second step is to sit down with you one on one and develop a plan to address each account that may have an adverse affect on your credit. As some have seen, credit repair companies actually lower consumer's scores before (and if) they actually increase the score. If you're in the market to make a large purchase in the near future, this could be detrimental to that process. We'll make sure that you know the correct steps to take (and not to take) when you're applying for credit. Lastly, after we've helped you improve your credit and you know how to responsibly use that new credit, we'll put you in contact with approved lenders to assist you in originating your loan.