Carmel Mortgage, Carmel Homes, Monterey Peninsula Mortgage co meeting your home financing needs, Cheryl Whitworth Mcvicar, Octavio Hurtado, Johnny Quillopo
 
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Testimonials
I've been in the real estate business for over 30 years now. Your Borroware software is the easiest loan application I have ever completed. You have a winner here!
—Robert B..
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Correct Your Credit Report Errors

FREE  We have a powerful ‘fixing credit report errors’ credit section, which includes tons of information and sample letters designed to help you through the process of improving your credit.

The truth about improving your credit score
No one can legally remove accurate and timely negative information from a credit report.  But the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete.  Everything a credit repair clinic can do for you legally, you can do for yourself with the tools we provide here. 

You see the advertisements in newspapers, on TV, the Internet, fliers etc.  They all make the same claims:  Save your money AND your credit standing - don't listen!

The typical “scripts” in the ads…
"Credit problems? No problem!"
"We can erase your bad credit-100% guaranteed."
"Create a new credit identity-legally."
"We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!"

The Majority of These “Credit Repair Agencies” Are Scams

Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is they can't deliver. After you pay them hundreds or thousands of dollars in up-front fees, these companies do nothing to improve your credit report; many simply vanish with your money and potentially even lower your score.

Follow everything in this section and you can, in the majority of cases where there are mistakes on your report, improve your credit standing.

The Process of Repairing Your Credit
Sample Credit Repair Letters
Telephone Tips and Techniques


We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a "Credit repairing agency" - that is the worst thing you can do!

Disclaimer:
This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.

Disclaimer of Warranty.
The materials, information and forms available in this section of the website are provided without any warranties, express, implied or statutory. Any and all implied warranties of merchantability or fitness for a particular purpose are hereby disclaimed.
  Carmel Mortgage
29 Navajo Drive
Salinas, CA 93906
Phone (831) 275-0380
Fax (831) 536-1803

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