Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.

Cleaning Up My Credit? 

Cleaning up your credit can be done in a few different ways. You can use a credit repair company to clean up your credit. You can clean up your credit by yourself or you can work with your mortgage professional and use a combination of your mortgage broker and yourself to clean up your credit. Cleaning up your credit can be very time consuming and difficult if you have no clue as to what you are doing.

There are companies that specialize in credit repair but you can do it yourself with time and persistence. Below are some suggestions to help you clean up your credit.

It is recommended to monitor your credit directly with the aforementioned 3 major credit bureaus. Maintaining less than 35% of your credit limit will help you increase your scores.

Don't "max out" your credit lines. Since the size of the balance on your open accounts is a factor, lower balances are better.

It's said that by carefully managing your credit, it's possible to add as much as 50 points per year to your score.

The first thing you will want to do is obtain credit reports from each reporting bureau. The three bureaus are Trans union, Equifax and Experian. Separate credit reports will help you see what each bureau is reporting, while this can be seen a a tri merge report it is easier for the average individual to read separate reports.

The list of derogatory items is listed with the most negative at the top. By focusing on cleaning the top of the list, will provide the most change to your score.

By law, credit bureaus are required to provide consumers one free credit report per year. The three major credit bureaus, Equifax, Experian, and TransUnion have set up a website,, to provide such free report. is the best consumer website in terms of getting accurate scores to what your mortgage broker or lender will most likely pull. 99% of the time when my clients have pulled their scores it's within a point or two of what I actually pull, if within a few days of each other. CPPSAVINGS (as of 5/4/07) is a discount code that can be used to get the consumer reports at a discount.

Your credit can be monitored online. Any inaccuracy can be disputed directly with the credit agencies.


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