Understanding Escrow in the Home Buying Process
Are you getting ready to start the home buying process? Learn more about Escrow and what it will mean to you as you go forward with purchasing your new home!
The Do’s and Don’ts of Mortgage Pre-Approval
Get the inside scoop from Heartland Credit Restoration owner, Andrew Yamilkoski on the things you should and shouldn’t do while trying to get pre-approved for your home loan.
Jargon Breakdown: Understanding VOE, VOR, and VOM
Andrew Yamilkoski, owner of Heartland Credit Restoration, breaks down lending jargon: VOE, VOR and VOM and what each means to you in the lending process.
Exploring Title Search
When working towards mortgage qualification there are three things your loan officer will look at: your credit, down payment, and title. Learn more about the Title Search that your loan officer will run while qualifying your for your home mortgage.
Qualifying for Your Home Loan
Heartland Owner, Andrew Yamilkoski, discusses the factors loan officers look at when qualifying you for a loan and how to be prepared for the home buying process.
Understanding Private Mortgage Insurance
What is private mortgage insurance? Heartland Owner, Andrew Yamilkoski, explains private mortgage insurance and what you can do to avoid having to pay it.
The Cost Of (Bad) Credit
Over your lifetime of borrowing, having bad credit can cost you upwards of $300,000. Learn more about how improving your credit can help you, starting today!
Communication with Bankers and Realtors
Heartland Credit Restoration understands that communication needs to include bankers and/or realtors who you are working with to reach your goal. We are proud of our commitment to keep your banker and realtor up to date. This is just one more thing that makes up the Heartland difference.
News About Equifax Security Breach
How Heartland Credit Restoration can help with the Equifax Breach. Credit Monitoring is a must and we have a quick and affordable option with Identity IQ.
We work with bankruptcy attorneys closely to get bankruptcy clients back on their feet.
30 Days Late
What happens if you’re 30 days late with a payment? That’s when your credit starts to decrease.
Credit Score Variation
Why is there a variation in your credit score come between the three credit bureaus? Heartland founder, Andrew Yamilkoski discusses where the variation comes from and what it means for your credit?
Inquiry vs Soft Pull
Does checking your credit affect your credit score? Discover the difference between an inquiry and a soft pull with Heartland Founder, Andrew Yamilkoski.
What is a Judgement?
“What is a judgement?” At Heartland Credit, we get that question a lot. Heartland Founder, Andrew Yamilkoski discusses what a judgement is and what it can mean for your credit.
The Heartland Credit Restoration Difference
Finding the right credit restoration company is an important step in rebuilding your credit – learn what to look for in your credit restoration company and what to avoid.
Grading Your Credit
Is your credit score an A or an F? Heartland founder Andrew Yamilkoski breaks down each credit score grade and what that means for you.
Credit Score and Risk
Risk is calculated based upon your credit score – the lower your credit score, the higher the risk for financial institutions. Start improving your credit and lowering your risk today!
Credit Score GPA
By comparing credit scores to high school GPA’s, Heartland founder Andrew Yamikoski makes understanding your credit score easier.
Paying Back Collections
Navigating collections can be difficult as you work to rebuild your credit. Learn more about the best way to pay back bills that have been sent to collections.
FICO Score Breakdown: 30 for 30
Join Heartland Credit Restoration Founder, Andrew Yamilkoski as he discusses the factors of the FICO algorithm that compute your credit score. In this video Andrew discusses balance vs limit and the magic number 30.
FICO Score Breakdown: Length of History
Join Heartland Credit Restoration Founder, Andrew Yamilkoski as he discusses the factors of the FICO algorithm that compute your credit score. In this video Andrew discusses credit card history and how length of that history affects your score!
FICO Score Breakdown: Pay History
Join Heartland Credit Restoration Founder, Andrew Yamilkoski as he discusses the factors of the FICO algorithm that compute your credit score. In this video Andrew discusses Pay History and what you can do to avoid getting a ding on your credit.
Reestablishing Your Credit
Reestablishing your credit is one of the most important parts of building your credit. Don’t swear off using credit just because you’ve had bad credit in the past!