CREDIT PROBLEMS

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

FREE CONSULTATION

Put our experience to work for you!

BUYING A HOME

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

REFINANCE YOUR HOME

Is it time to refinance? Check your options

FDM UPDATE

  • 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.

Testimonials

Syed, Deep, Nicole and Rest of FDM Team
We would like to take this opportunity to thank you all for all the help you provided in getting our lost ship to the other shore.
When the other crew had abandoned it leaving us stranded, you took the helm of our ship and brought us to safety of our new house.
Our family is very grateful for all help in securing this deal.
Regards
Zaki family

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Call Us: 1-866-527-8052


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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