What are “In Dispute Remarks” in regards to Credit Repair?
The dreaded “in dispute” remarks and how to get rid of and how to avoid.
Why a Loan Officer should use a credit repair company for their clients?
How to handle medical debts without damaging your credit
This tried and proven way can help save your credit when it comes to medical debt! It’s the fair and honest approach too!
How to Re-Establish Credit
Bad patches in life, late payments, loss of job, all of these can kill your credit. Here are some simple ways to get back into the game using credit to your advantage. Here are the credit cards we recommend to rebuild your credit!
Should I co-sign for a family member or friend?
I’ll explain what you’re liable for if you take this loan option route.
Is deleted debt on my credit report still owed?
Do I still owe the debt? There’s a difference in owing someone and how its reported on your credit report
What is PMI?
Private mortgage insurance, also called PMI, is a type of mortgage insurance you might be required to pay for if you have a conventional loan. Like other kinds of mortgage insurance, PMI protects the lender—not you—if you stop making payments on your loan.
Debt Ratio and LTV
Two factors that affect qualifying for a home loan are Debt Ratio and Loan to Value. Your debt ratio is your monthly income vs monthly expenditures. Loan to value is how much are putting down vs how much are you going borrow. These two items are important to look at along with your credit score.
Improving Credit: Receiving The Cure Vs Medicine
When it comes to improving your credit, a lot of companies are more likely to give you medicine vs the cure. The cure for bad credit comes in the form of budgeting.
Click here for your budget worksheet.
For Bankers – Why Use Heartland Credit Restoration?
At Heartland Credit Restoration we take pride in our ability to provide you the information you need to keep up to date with your clients and work hard to bring your clients back to you.
Secured Credit Cards vs Prepaid Cards
When reestablishing your credit, opening a new credit card can be a very important step in building your credit score. Learn more about the difference between secured cards and prepaid cards.
Start the Home Buying Process with Heartland Credit
Here at Heartland, our goal is to get you pre-approved for your pre-approval and get you on your way to owning your dream home.
Credit Monitoring Score Variation
“Why is my credit monitoring score different than what the bank pulled when I applied for a loan?” This is a question we get all the time. Discover what lies behind the variation in this score!
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 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.
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.
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.
Re-establishing 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!
Welcome Lesson 4: Credit Cards
Fourth biggest factor is credit cards. We’re going to teach you how to use credit cards as a tool to drive your credit in the right direction, rather than off the road.
Welcome Lesson 3: Length of History
Moving on to the third largest factor of your FICO Credit Score (15%) is length of history. The length of history you have with your creditors directly relates to your credit score and we’ll review why that matters to you.
Welcome Lesson 2: Balance to Limit
The second largest factor of your FICO credit score (30%) is balance to limit relationship. We’ve discussed pay history, now we’ll look at what it is, and why balance to limit is important.
Welcome Lesson 1: Pay History
As the most important aspect in building your credit (FICO Credit Score weights this at 35%), this is where we begin your new journey. Not only are we here to help clean up the history, but we are also here to help teach you to run your own credit journey. Let’s get started.
Welcome to Heartland Credit Restoration
Introduction to improving your credit report over the next 6 months and getting you to a positive credit report card. Three main things we will focus on- removing inaccuracies, validating items and settling potential negatives.