{"id":1211,"date":"2021-01-27T06:00:44","date_gmt":"2021-01-27T11:00:44","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=1211"},"modified":"2024-04-25T23:20:04","modified_gmt":"2024-04-26T03:20:04","slug":"strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/","title":{"rendered":"Strengthen Your Position to Finance Your Home:   Here\u2019s Your Five-Point Credit Repair Plan"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg\" alt=\"A person in the woods fixing a bicycle. Captioned: Strengthen Your Position to Finance Your Home\" class=\"wp-image-1212\" width=\"389\" height=\"260\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg 778w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips-300x200.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips-768x512.jpg 768w\" sizes=\"auto, (max-width: 389px) 100vw, 389px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Maybe you\u2019re looking to buy this year, and a local homeowner\nhas recommended a fantastic mortgage company in the area. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perhaps you\u2019re already pre-approved, and hoping to close with\na lower interest rate by nudging your credit scores up. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or maybe you\u2019d like to refinance and take advantage of a\ngreat chance to lower your mortgage rate. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A few questions arise at these times, and one involves\ncredit. <a href=\"https:\/\/www.deeds.com\/articles\/applying-for-a-mortgage-get-the-facts-on-credit-scores-and-how-to-improve-yours\/\">Raising\na credit score<\/a> can win you a loan with attractive rates and terms. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, you need to know the best steps you can take to boost\nyour score and not inadvertently lower it. A local mortgage specialist can be\nan excellent adviser on whether you should, say, apply for new credit \u2014 or,\ninstead, pay off credit card balances or outstanding installment loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ask, and you\u2019ll find out.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Core Five-Point Plan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a five-point plan everyone can revisit from time to\ntime, but dedicated to you who are hoping to get a loan with the best possible\nterms this year. We\u2019ll add some information on emergency fixes\u2026 and how to know\nwhen they\u2019re too good to be true (or legal).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;Point 1. Know Your Credit Score. <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Equifax\u00ae, Experian&#x2122; and TransUnion\u00ae a <a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0155-free-credit-reports\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">credit reports<\/a> are offered free once a year, or when you have been a target of fraud. What score do you want to see? A \u201cgood\u201d score is\u00a0670 to 739. Most loan applicants occupy that range. For better loan options, you\u2019ll want a \u201cvery good\u201d score: in the 740 to 799 range. Anything above 799 is \u201cexceptional\u201d \u2014 denoting the rare applicant who can essentially call the shots when it comes to mortgage loans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a high credit score, the\nmessage is you pay your bills on time, and you\u2019re more of a saver than a\nspender. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Low credit scores don\u2019t always mean\nthe opposite. Maybe you opened your accounts relatively recently, or don\u2019t have\na lot of diversity in terms of types of accounts. Maybe you spend in spurts.\nThese issues are relatively simple to tweak. In Point 2, we\u2019ll explain how.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;Point 2. Curate Your Credit Profile.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit score is built by the everyday\ndecisions you make as you use money. The key score influencers are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Your payment habits.<\/strong> To keep your score up,\nyou at least hit the minimum payments due monthly on all loans and all cards.\nIf possible, you\u2019re paying off your whole account balances monthly. &nbsp;Credit reporting companies receive that\ninformation every cycle, and your credit score moves accordingly. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Your credit utilization ratio.<\/strong>\u00a0Nudge your score up by keeping a lid on your\u00a0<a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/credit-utilization-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">utilization rate<\/a>. Your balances should be under 30 percent of your credit limits \u2014 and as low as possible if you want to optimize your credit profile. Because a high overall credit limit is important, avoid closing accounts even if you rarely use them.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>The time you\u2019ve held your accounts.<\/strong> The\nlonger you\u2019ve had a good relationship with a credit company, the stronger your\nprofile. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Diversification within your accounts.<\/strong>&nbsp;Having\na variety of credit types \u2014 a mortgage, an installment loan, several major\ncredit cards \u2014 strengthens your position when you apply for financing. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, to curate your credit profile,\nyou need to actively use credit, pay on time, keep low balances and high credit\nlimits, and nurture long-term relationships with the companies extending you\ncredit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;Point 3. Check for Errors.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It might seem like a needless bother to look for errors in your data. After all, financial companies are supposed to keep that straight for you. But here\u2019s the funny thing. Errors do occur in our credit profiles, and these usually don\u2019t help us. And <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/can-disputing-credit-report-inaccuracies-lower-credit-scores\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">there\u2019s no penalty for disputing credit report information<\/a>, as your credit report will not change unless there is, in fact, an error to correct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Common errors activity from someone\nelse\u2019s account (such as a family member\u2019s), actions the account holder didn\u2019t\ntake on the account, or outdated information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you get your annual report, look\nfor and dispute errors. The companies have to investigate and reply. And they\nmust correct your credit profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;Point 4. Put Your Payments on Autopilot. <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Simple, but effective. Your credit\nscore rises if you reduce the amount you owe on your credit cards and always\npay on time. Enabling automatic payments in your account settings online can\nhelp make it happen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checking your statements regularly\nis still a good idea. If all your auto-pay withdrawals come from a single core\nbank account, you can easily check the movement of money. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Also, it\u2019s far better to pay off\nthe monthly balance than only pay the minimum amount. If the site only enables\nauto-payment for the minimum amounts, you might be paying more in interest than\nyou need to.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;Point 5. Close, But No Cigar? Hang On!<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For credit scores on the borderline \u2014 such as a score of 739, which can be nudged from the \u201cgood\u201d to the \u201cvery good\u201d category \u2014 lenders may suggest <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-rapid-rescore-should-i-consider\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">rapid rescoring<\/a>. As described by the credit company Experian, this action can help when the applicant\u2019s credit score is a few points shy of the score that qualifies for the sought-after terms or interest rate. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The lender must initiate the\naction, by sending evidence to a credit reporting company of new, positive credit\nactivity. For a fee, the company will then expedite rescoring. It might be a\nworthwhile investment to get a better interest rate. Your mortgage specialist\ncan let you know.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>For Urgent Repair Needs, Should You Call A Credit Counselor?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit counseling companies advertise themselves as the solution\nfor debt problems. This could involve coming up with savings strategies or advocating\nfor a client in order to obtain easier payback terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Credit Repair Organization Act compels honest dealings from credit repair firms. These companies must, under the law, explain the credit repair timeline, and they must also tell you have three days to cancel your account with them at no charge. It\u2019s important to seek a vetted and <a href=\"http:\/\/www.justice.gov\/ust\/eo\/bapcpa\/ccde\/cc_approved.htm\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">approved credit counselor<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But <a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0225-credit-repair-scams\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">credit repair scams, according to the FTC<\/a>, are all too common. Signs of bad actors are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Demanding upfront payment or failing to state the total cost of the service. <\/li><li>Failing to provide a written agreement describing the service, guarantees, and consumer rights.<\/li><li>Instructing customers to have no contact with credit reporting companies.<\/li><li>Coaching customers to falsely dispute details in a credit report.<\/li><li>Touting a new credit identity for the customer \u2014 which may mean <a href=\"https:\/\/www.ftc.gov\/idtheft\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">identity theft<\/a>. Steer clear of services that purport to erase a bankruptcy or collections history. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s against to law to give a lender false information, use a substitute for an original Social Security number, or apply for government identification numbers to cover up debt. If you suspect credit repair fraud, <a href=\"http:\/\/www.naag.org\/current-attorneys-general.php\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">report it to your state authorities<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>There are alternatives.<\/em><\/strong> <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/thinking-about-consolidating-debt-good-idea\/\" target=\"_blank\">Debt settlements and debt consolidation loans<\/a> offer other paths to getting on top of debt, but also need to be carefully researched first. FHA mortgages have more forgiving credit score requirements, and the FHA can refer you to federally <a href=\"https:\/\/www.fha.com\/fha_article?id=1618\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">approved counselors<\/a> to prepare you for the loan application process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: If Possible, Do It Yourself<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit repair&nbsp;specialists can help you get errors\nfixed, but they cannot work magic. With persistence, you can take the necessary\nsteps to spend a little less, save a little more, and remove detrimental\nhistory from your credit profile. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your credit profile has negative items \u2014 for example, if it flags charges that went into the bill collection process \u2014 it will take seven years for them to roll off your report. The older the issue, the lesser its impact, but there\u2019s no \u201cquick fix\u201d for credit. As Experian says, even lesser repairs take <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/how-long-take-repair-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">several months<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Speaking with a financial adviser or local mortgage expert\ncan help you plan the moves to make (and not to make) to achieve your loan\napproval and reach your goal. Meanwhile, tune up your score with the five-point\nplan outlined above. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Supporting References <\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">Consumer Financial Protection Bureau (CFPB): <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343\/\" target=\"_blank\">How Can I Tell a Credit Repair Scam From a Reputable Credit Counselor<\/a>? (Jun. 8, 2017).<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">Photo credit: <a href=\"https:\/\/unsplash.com\/photos\/1zv1p3jvDBo\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Marek Piwnicki<\/a>, via Unsplash. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maybe you\u2019re looking to buy this year, and a local homeowner has recommended a fantastic mortgage company in the area. Perhaps you\u2019re already pre-approved, and hoping to close with a lower interest rate by nudging your credit scores up. Or maybe you\u2019d like to refinance and take advantage of a great chance to lower your [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[71],"tags":[],"class_list":["post-1211","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Strengthen Your Position to Finance Your Home:  Here\u2019s Your Five-Point Credit Repair Plan - Deeds.com<\/title>\n<meta name=\"description\" content=\"So, you need to know the best steps you can take to boost your score and not inadvertently lower it. A local mortgage specialist can be an excellent adviser\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Strengthen Your Position to Finance Your Home:  Here\u2019s Your Five-Point Credit Repair Plan - Deeds.com\" \/>\n<meta property=\"og:description\" content=\"So, you need to know the best steps you can take to boost your score and not inadvertently lower it. A local mortgage specialist can be an excellent adviser\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/\" \/>\n<meta property=\"og:site_name\" content=\"Deeds.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/deedsrealestate\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-27T11:00:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-26T03:20:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg\" \/>\n<meta name=\"author\" content=\"Deeds.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RealEstateDeeds\" \/>\n<meta name=\"twitter:site\" content=\"@RealEstateDeeds\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Deeds.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/\"},\"author\":{\"name\":\"Deeds.com\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/person\\\/8e0eeca72de74094ddaa30fc54159b6b\"},\"headline\":\"Strengthen Your Position to Finance Your Home: Here\u2019s Your Five-Point Credit Repair Plan\",\"datePublished\":\"2021-01-27T11:00:44+00:00\",\"dateModified\":\"2024-04-26T03:20:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/\"},\"wordCount\":1383,\"publisher\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/five-point-credit-repair-tips.jpg\",\"articleSection\":[\"General\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/\",\"name\":\"Strengthen Your Position to Finance Your Home: Here\u2019s Your Five-Point Credit Repair Plan - Deeds.com\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/five-point-credit-repair-tips.jpg\",\"datePublished\":\"2021-01-27T11:00:44+00:00\",\"dateModified\":\"2024-04-26T03:20:04+00:00\",\"description\":\"So, you need to know the best steps you can take to boost your score and not inadvertently lower it. A local mortgage specialist can be an excellent adviser\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/five-point-credit-repair-tips.jpg\",\"contentUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2021\\\/01\\\/five-point-credit-repair-tips.jpg\",\"width\":778,\"height\":519},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Strengthen Your Position to Finance Your Home: Here\u2019s Your Five-Point Credit Repair Plan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\",\"name\":\"Deeds.com\",\"description\":\"Real Estate Deeds Made Easy Since 1997\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\",\"name\":\"Deeds.com\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/deeds-logo-bw.png\",\"contentUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/deeds-logo-bw.png\",\"width\":417,\"height\":208,\"caption\":\"Deeds.com\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/deedsrealestate\\\/\",\"https:\\\/\\\/x.com\\\/RealEstateDeeds\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCWGNKXWKH9nluFfeIvG0OTQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/person\\\/8e0eeca72de74094ddaa30fc54159b6b\",\"name\":\"Deeds.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"caption\":\"Deeds.com\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Strengthen Your Position to Finance Your Home:  Here\u2019s Your Five-Point Credit Repair Plan - Deeds.com","description":"So, you need to know the best steps you can take to boost your score and not inadvertently lower it. A local mortgage specialist can be an excellent adviser","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/","og_locale":"en_US","og_type":"article","og_title":"Strengthen Your Position to Finance Your Home:  Here\u2019s Your Five-Point Credit Repair Plan - Deeds.com","og_description":"So, you need to know the best steps you can take to boost your score and not inadvertently lower it. A local mortgage specialist can be an excellent adviser","og_url":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/","og_site_name":"Deeds.com","article_publisher":"https:\/\/www.facebook.com\/deedsrealestate\/","article_published_time":"2021-01-27T11:00:44+00:00","article_modified_time":"2024-04-26T03:20:04+00:00","og_image":[{"url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg","type":"","width":"","height":""}],"author":"Deeds.com","twitter_card":"summary_large_image","twitter_creator":"@RealEstateDeeds","twitter_site":"@RealEstateDeeds","twitter_misc":{"Written by":"Deeds.com","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#article","isPartOf":{"@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/"},"author":{"name":"Deeds.com","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/person\/8e0eeca72de74094ddaa30fc54159b6b"},"headline":"Strengthen Your Position to Finance Your Home: Here\u2019s Your Five-Point Credit Repair Plan","datePublished":"2021-01-27T11:00:44+00:00","dateModified":"2024-04-26T03:20:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/"},"wordCount":1383,"publisher":{"@id":"https:\/\/www.deeds.com\/articles\/#organization"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#primaryimage"},"thumbnailUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg","articleSection":["General"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/","url":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/","name":"Strengthen Your Position to Finance Your Home: Here\u2019s Your Five-Point Credit Repair Plan - Deeds.com","isPartOf":{"@id":"https:\/\/www.deeds.com\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#primaryimage"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#primaryimage"},"thumbnailUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg","datePublished":"2021-01-27T11:00:44+00:00","dateModified":"2024-04-26T03:20:04+00:00","description":"So, you need to know the best steps you can take to boost your score and not inadvertently lower it. A local mortgage specialist can be an excellent adviser","breadcrumb":{"@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#primaryimage","url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg","contentUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2021\/01\/five-point-credit-repair-tips.jpg","width":778,"height":519},{"@type":"BreadcrumbList","@id":"https:\/\/www.deeds.com\/articles\/strengthen-your-position-to-finance-your-home-heres-your-five-point-credit-repair-plan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.deeds.com\/articles\/"},{"@type":"ListItem","position":2,"name":"Strengthen Your Position to Finance Your Home: Here\u2019s Your Five-Point Credit Repair Plan"}]},{"@type":"WebSite","@id":"https:\/\/www.deeds.com\/articles\/#website","url":"https:\/\/www.deeds.com\/articles\/","name":"Deeds.com","description":"Real Estate Deeds Made Easy Since 1997","publisher":{"@id":"https:\/\/www.deeds.com\/articles\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deeds.com\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.deeds.com\/articles\/#organization","name":"Deeds.com","url":"https:\/\/www.deeds.com\/articles\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/logo\/image\/","url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2018\/10\/deeds-logo-bw.png","contentUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2018\/10\/deeds-logo-bw.png","width":417,"height":208,"caption":"Deeds.com"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/deedsrealestate\/","https:\/\/x.com\/RealEstateDeeds","https:\/\/www.youtube.com\/channel\/UCWGNKXWKH9nluFfeIvG0OTQ"]},{"@type":"Person","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/person\/8e0eeca72de74094ddaa30fc54159b6b","name":"Deeds.com","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","caption":"Deeds.com"}}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts\/1211","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/comments?post=1211"}],"version-history":[{"count":0,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts\/1211\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/media?parent=1211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/categories?post=1211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/tags?post=1211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}