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Credit Problems? Bankruptcy, Late Payments, Low Scores...Contact Us


Whether you are buying your first home or 2nd or 3rd we have a loan program for you!


Put our experience to work for you!


  • Look for factual errors and dispute them with the credit agency

  • Pay all your bills on time!!

  • Decrease the quantity of accounts or lines of credit you have open

  • Diversify your types of credits

How is my credit calculated by a credit bureau?

Several components go into calculating your credit score, and each reporting company will use a distinct method. Credit bureaus can legally report negative information for seven years or until the statute of limitations runs out, whichever lasts longer, and bankruptcy information for ten years. Information which refers to criminal convictions or to lines of credit which are larger than $150,000 can be reported for an indefinite period of time. The general breakdown of the number itself includes the following factors:

Credit is a number between 300 and 850. It reflects your ‘credit worthiness’, or how likely you are to make good on your word when it comes to money. There are three major credit reporting bureaus: Equifax, Experian, and Trans Union.


Sneha! We honestly appreciate all you did for us during this arduous process! There were a lot of bumps but we got over them and made it work! We're in love with the house and neighborhood and we appreciate, again, all you did to make it happen. Thank you & Happy New Year.
- Nikki (Omotosho) and Wally (Olorunfemi)

Call Us: 1-866-527-8052

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NMLS ID 188829

Fidelity Direct Mortgage, LLC is an Equal Housing Lender: NMLS #: 188829, District of Columbia Lic/Reg #: MLB 188829, Maryland Lic/Reg #: 14398, Licensed by the Virginia State Corporation Commission: License # MC-3879, Licensed for Pennsylvania Mortgage Loan Correspondent: License # 47654