Mortgage Pro Info


You have access to our software so keeping track of the clients that you refer to us is Easy,…We do all of the work for you!

How can Credit Restoration of Texas help your business?
First: Your revenue will increase. Since the credit score will no longer be an obstacle, you will be able to close more loans.

Second: You will be able to refinance current clients who were approved with less-than-perfect credit, because the higher credit score will put them in a different rating bracket. They will now qualify for a better program, which will allow you to show them substantial savings on paper.

Third: You will be creating goodwill with your clients by being the person who helped them better their lives. This, in turn, will mean more referrals from them.

Fourth: We will keep in touch with you via email to monitor the progress on your clients’ files. This will enable you to take an active interest in the lives of your clients and position yourself as a true trusted adviser.

Fifth: The mere fact that you will be receiving these emails about your clients will prevent you from forgetting about them and give you the opportunity to follow up if you so choose. Moreover, you will have something to talk about with each client, since both of you will have the same status updates.

How long does it take to increase a credit score?
The amount of time needed is different in every circumstance, usually varying between two to six months. On average, we remove 40 to 70 percent of the inaccurate, unverifiable or obsolete items, with an average subsequent FICO score increase of 60-100 points.

How long does your service take?
We work on our client’s file for a full 6 months. Dramatic results usually occur within the first 45 days.

Will you get 100 percent of negative items removed?
Our company has been successful 100 percent numerous times. We average between a 40 and 70 percent success rate at removing inaccurate, obsolete and unverifiable items from the credit report.

Why do the results differ?
Credit Restoration of Texas uses consumer protection laws to the fullest extent on your borrowers behalf. Sometimes credit bureaus, creditors and collection agencies provide what the law requires, sometimes they do not. Our company is completely thorough every time in enforcing your borrower’s rights, but credit bureaus, collection agencies and creditors are inconsistent, causing results to vary.

How much will you increase the credit score?
Our average is 60 – 100 points within three months, but we have increased scores as high as 213 points. Although derogatory items on the credit report are a factor, there are many other factors in formulating a credit score. Even if we remove all identified items from a report, a credit score may only increase 40 points due to other factors affecting the score, such as: length of credit history, credit mixture, outstanding balances and number of inquiries.

What items can you remove from a report?
Inaccurate, obsolete, or unverifiable: bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, inquiries, late payments, old addresses, judgments, tax liens, identity theft, merged accounts, and student loans.

Will the removed items ever come back?
No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

What risks will my borrower be taking?
None. The worst we can do is improve the credit and not fulfill our warranty, in which case your borrower will receive a full refund. The best we can do is substantially improve your borrower’s credit score and potentially save them hundreds of thousands of dollars in interest.

What risks will I be taking?
None. You are leaving your clients in the hands of a company that will treat them professionally and courteously. Best case scenario, you will give your client a loan they never thought possible. Worst case scenario, your client gets their money back with an increased knowledge of how the FICO score works and what they can do in the future to raise their score.

How do I refer business to Credit Restoration of Texas?
First, call the client and ask if you may fax his or her credit report in order to get a free credit evaluation by one of our staff and fax the credit report to us and call us with their name and contact information.

Our rep will then call your client to discuss the situation (or, if you specify, call you first) and you will receive an email update when they become a client of ours. You may, at anytime, check the status of all of your referrals by logging into your account on our website.

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