Tired of being denied for credit cards? Apartments? Car loans? Mortgage loans?

Credit Restoration

Whether you're purchasing your first home, investing, selling/buying a luxury home, downsizing or relocating; We are committed to helping you achieve your real estate goals by providing you with outstanding service and quality information so making the right decision is easy. Let OW2 Realty group change your credit worthiness. We’ve helped thousands of people just like you fix their credit to attain mortgages, auto loans, and much more. Our aggressive credit restoration process not only walks you step by step through restoring your credit; but building and maintaining it as well. We work with all three credit bureaus to outline and remove inaccuracies contained in your credit file.

Trade Line

A tradeline is a line of credit that has been held in good standing for an extended period of time. Officially known as “seasoned tradelines,” these accounts have an undoubtedly positive impact on credit ratings. Borrowers who have seasoned tradelines offer up their accounts to a third party for a fee. Typically, the third party does not have access to any account information that would allow them to use the account. Borrowers add the third party as an authorized user on the account, which places the account on the third party’s credit report. The practice of adding third parties to seasoned tradelines with the purpose of improving a credit score is known as “piggybacking.” Piggygbacking tradelines is an outstanding, and entirely legal, tool that you can use to amplify your credit score. We offer a variety of seasoned tradelines ranging from 5 years to 25 years in aged credit history. Adding these to any credit file will put you one step closer to achieving your credit goals.

Our process is fast and easy!

Whether you're purchasing your first home, investing, selling/buying a luxury home, downsizing or relocating; We are committed to helping you achieve your real estate goals by providing you with outstanding service and quality information so making the right decision is easy. Once you sign up with OW2 Realty Group, we’ll get to work on improving your credit score right away. Disputing inaccuracies contained in your credit report has never been easier. We do all the work while coaching you through the rebuilding processes dos and don’ts.

"Make the steps that’s needed to WIN!"

7 TIPS FOR BUILDING NEW CREDIT

Timely Payments

The most important factor in building or improving credit is a habit of on-time payments. Timeliness counts for a full 35 percent of your credit score, so take it seriously and cultivate this important credit-boosting habit.

If You Are An Immigrant

Start by knowing that your credit rating from your home country will not follow you to the U.S. This can be good or bad, as a negative credit history can be left behind; however, if you had a positive credit history, it will not factor into your rating here. Credit history simply cannot be transferred across international boundaries. A social security number is crucial to the process of establishing credit. When you seek employment in the U.S., you will be required to have a social security number. It is mandatory if you wish to build credit in a meaningful way, such as through purchasing a house or car, or applying for credit cards or personal loans.

Co-Signers and Authorized User History

One of the most effective ways to improve and build credit is by signing on with others who have positive credit. A spouse, partner, friend or business associate may be good candidates to ask. Having someone with good credit co-sign with you for a credit card or other loan greatly increases your chances of getting the loan. Have them add you as an authorized user to one or more of their existing accounts. From there, with responsible use of any credit you receive, your rating will rise naturally. You might also look into companies that sell authorized user histories through products called “tradelines,” which allow you to benefit from the positive credit histories of others.

Secured Credit Cards

A secured credit card is an account that requires a deposit for the amount you would like as your credit limit. The card is used somewhat like a debit card, but responsible use of this type of account will be reflected as positive action on your credit report.

Watch Your Credit Utilization Ratio

Credit utilization refers to the amount of available credit used on a credit card at any given time. Persons striving to build positive credit should keep this ratio at less than 30 percent at all times. Make only small to moderate purchases, and pay the balance on the card every month if possible.

Reduce Debt

Credit utilization refers to the amount of available credit used on a credit card at any given time. Persons striving to build positive credit should keep this ratio at less than 30 percent at all times. Make only small to moderate purchases, and pay the balance on the card every month if possible.

Use Automated Payments

Take advantage of the perks of technology by automating any loan or credit card accounts that you do acquire. You can set the payment amount to any level you wish, from just the minimum to the entire statement balance each month. This will help you to avoid late fees and black marks on your credit report.

Book Consultation Today

https://www.ow2realty.com/
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