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How Realtors can help their Clients clean up their Credit.

Help them find someone who can provide a full mortgage analysis and can educate their client about utilization, ratios and payment histories.

Explain to  them how disputed items can cause inaccurate credit scores.  Lenders may require loans to be reviewed with another level of scrutiny.  Remember medical collections are not factored into debt ratios.

Some lenders may accept repayment plans one three payments have been made to resolve an issue.

Clients with low credit scores may need to lower their utilizations, open new credit card accounts or add tradelines to their reports. Make sure your client understands their debt-to-income and their housing ratios.

Make sure your client understands that they should always keep their payments consistent and on time. This is not the time slough off or forget monthly payments. To make it easier, your client can always set up automatic payments through their checking accounts.