Credit Center

Maintaining good credit is something you must always work at. Credit can be affected so easily so and if something negative is out there, what can be done? At Infinity Financial Group, we understand that things happen and nobody is perfect. Whether or not you have a 650 score or a 750 score, there is always room for improvement. Having good credit comes easier for some than others. Better credit scores receive better interest rates which in turn, creates lower payments. What we don’t want is a small blemish or a few points to stand in the way of achieving the goals you have, or worse yet; keeping you from the home you’ve always wanted.

The TV commercials don’t lie, it is vital to keep an eye on your credit and credit score. One collection account or one late payment can cause a score to drop quickly and with banks and lenders continuing to tighten lending practices, a good credit score is more important than ever.

Infinity Financial Group has no affiliation with the credit bureaus nor can we guarantee results, but we can pass our knowledge and tools on to you so you can become your own credit advisor. Anytime you apply for a mortgage to buy a home or refinance, it is required to have your credit pulled. We pull your credit through a third party company. Most everyone has three scores and the bank or lender is going to use the middle of the three scores. If the middle score is below the minimum requirement, you will be unable to get approved. Also, the better middle score you maintain the better rate you can qualify for.

In these circumstances, Infinity Financial Group has the ability to tell you EXACTLY what you need to do to improve your score to the required number to precede with a loan. Not every scenario can be directed but in most circumstances, we can help. The company that we pull credit through offers a free analysis called Credit Expert which is offered by Experian; one of the three major credit bureaus. When our loan consultants input the number of points needed into Credit Expert, the program is runs your scenario and a report is issued. This report tells us what is recommended, if anything, that may increase your credit scores. For example, the Credit Expert report may say to pay down one of your credit cards $350 and you can stand to gain 15 points with that bureau’s score. Another example would be, no possible gain, client needs to establish more positive trade lines which are accounts.

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