MLB Credit Solutions

MLB Credit Solutions Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from MLB Credit Solutions, Credit Counseling Service, Irvine, CA.

MLB “Making Lives Better” Credit Solutions
-Specializing in repairing FICO scores.
-Qualifying clients for loans/mortgages/cars.
-Provide tools to boost your score.
-Free e-book here

Your FICO score is made up of 5 factors. -Payment History-Utilization-Credit Mix-Credit History-InquiriesUtilization mak...
08/14/2020

Your FICO score is made up of 5 factors.

-Payment History
-Utilization
-Credit Mix
-Credit History
-Inquiries

Utilization makes up 30% of your FICO score which is the 2nd biggest factor next to payment history. 165 points out of your FICO score is based on your utilization.

How utilization works is it’s the percentage of your line of credit that a individual is using. If you have a $2,000 limit on a credit card and have a balance of $1,000. Your utilization is 50%. Which will drop your score drastically.

The FICO scoring model favors utilization under 20%. However, to achieve the best utilization factor, FICO favors hovering around 3-8% utilization.

Utilization takes in all lines of credit and all debt on those lines of credit, it is not limited to just one line of credit. The more lines of credit a individual has with the total utilization from 3-8% total will best utilize the 165 points on your FICO.

Your FICO score is made up of 5 factors. -Payment History-Utilization-Credit Mix-Credit History-InquiriesPayment history...
08/13/2020

Your FICO score is made up of 5 factors.

-Payment History
-Utilization
-Credit Mix
-Credit History
-Inquiries

Payment history is your biggest credit score factor making up 35% of your score. That means 193 points of the possible 850 credit score is payment history given the minimum score is 300.

Late payments just 30 days late on your report can plummet your score almost 100 points and will affect your score for 9 months.

Any recent late payments will show a lender that you could be a risk in financing a car or house .Which will ultimately lead to only approving you for a higher interest rate.

Late payments can be removed and we can help removing them legally!

In order for you to take advantage of these incredible mortgage rates. Your credit needs to be considered great, which i...
08/12/2020

In order for you to take advantage of these incredible mortgage rates. Your credit needs to be considered great, which in some lenders qualifications, 760 or higher.

As the pandemic put millions of Americans out of work, lenders have tightened up on lending. Debt to income ratio, steady income, and credit qualifications have all changed in the midst of COVID-19. But if you have all of these qualifications, you can take advantage of the lowest rates in years.

We can show you how to get those low rates with our free credit consultation!

Grab our free guide that will give you free tips about industry secrets the banks don’t want you to know!Download it tod...
08/01/2020

Grab our free guide that will give you free tips about industry secrets the banks don’t want you to know!

Download it today!

https://forms.gle/Tjkq4wxRemsYCHJs5

04/20/2020

The FHA minimum Credit Score has now risen to at least 680 Fico and as high as 760 for some lenders!

04/16/2020

Attention Home Owners:

Due to the COVID-19 pandemic, Americans face the choice, to pay their mortgage payment, or put food on the table.

Special implications in the CARES act have amended the FCRA to place a disaster code on credit reports. However, unless communicated through your lender, that AW code will not be put on people's credit file. This will run the risk of home owners becoming delinquent on their mortgages even if there is a financial hardship.

Home owners may elect to deffer payments or forbearance with their lender; however; like we saw in 2008, loan transfers will occur from borrowers not being able to pay their mortgages. This can cause a huge problem on home owner's Credit Report as millions of data could be potentially lost between transfers. Resulting in borrowers being delinquent with a new lender when they were in forbearance with the original lender.

Contact your lender to negotiate deferment, forbearance, or ask for assistance so your Credit Score does not suffer!

03/25/2020

A satisfied customer with results in 6 weeks! We are dedicated to “Making Lives Better” during this pandemic to ensure your credit does not have to suffer. Having good credit is essential in emergency situations to have a cushion of cash flow to pay for essentials.
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If you need to speak to a professional about how to ensure good credit in this pandemic situation book an appointment today.
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Start today with a free consultation!
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A satisfied customer with results in 6 weeks! We are dedicated to “Making Lives Better” during this pandemic to ensure y...
03/25/2020

A satisfied customer with results in 6 weeks! We are dedicated to “Making Lives Better” during this pandemic to ensure your credit does not have to suffer. Having good credit is essential in emergency situations to have a cushion of cash flow to pay for essentials.
•
•
•
•
•
If you need to speak to a professional about how to ensure good credit in this pandemic situation book an appointment today.
•
•
•
•
•
Start today with a free consultation!
•
•
•

With a lot of people possibly out of work during these times, it has never been more important to have a good credit sco...
03/18/2020

With a lot of people possibly out of work during these times, it has never been more important to have a good credit score! Getting access to more credit with a low interest rate will give you a cushion during this pandemic to be able to pay your bills.
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•
•
•
•
If you need to speak to a professional about how to ensure good credit in this pandemic situation book an appointment today.
•
•
•
•
•
Start today with a free consultation!
•
•
•

Due to the pandemic some people may not be able go pay credit card bills or their car payment. However; if you have show...
03/16/2020

Due to the pandemic some people may not be able go pay credit card bills or their car payment. However; if you have showed good payment history, you could request for a deferment on your bills!
•
•
•
•
•
If you need to speak to a professional about how to ensure good credit in this pandemic situation book an appointment today.
•
•
•
•
•
Start today with a free consultation!
•
•
•

Address

Irvine, CA
92614

Telephone

+18007106523

Website

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