How To Fix Your Credit - Carlos Scarpero, VA Mortgage Specialist, NMLS #1674385

How To Fix Your Credit

Are you needing to boost your credit score to get qualified for a mortgage?

If your credit score is below 580, you will most likely need to do some work on your credit before getting approved. 

If you need to boost your credit, here are some options for you:

Option 1: Try to fix the credit yourself

This is certainly the cheapest option but also the most risky. If you don't know what you are doing, you may end up making things worse.

Click here for some tips on how to do this

Option 2: Use credit repair software

This is the credit repair version of using Turbo Tax. You enter your info into a program and it will show you step by step what you need to do.

Click here to see what program I recommend

Option 3: Hire a credit repair company

While it's a little more expensive initially, you may save money in the long run because they will tell you which debts can be ignored and help you get a settlement in exchange for removal of the derogatory items from your credit.

Be careful....there are a lot of scammy credit repair companies out there!

I recommend because they get results quickly and specialize in getting people ready for home ownership.


Don't let bad credit stop you from loan approval. Pick the method that works best for your situation and get after it! 

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