Whether you have a 700 credit score or a 400 credit score this system can help you! Today mortgage, credit card and consumer lending companies are charging higher interest rates if your credit score is less than 760. Are you kidding? You literally have to walk on water in order to get today’s best interest rates.

After years of not being able to help some credit challenged clients the way I would like, I’ve discovered legitimate method to radically change a potential clients credit profile. This month I’d like to introduce you to utahcreditcoach.com. Up until now I was only familiar with “credit repair” or “credit dispute” companies, these types of companies would write in to creditors and to the credit agencies and dispute late payment, collections, judgments and even foreclosures. Under the federal credit laws if the creditor could not produce proof of the delinquency they would have to remove it from the credit report. I felt a bit of a moral quandary with this because I knew many of these delinquencies were legitimate and these companies were essentially harassing these companies through the credit laws to remove or quit reporting the delinquencies even if they were being reported accurately.

Credit Coaching is totally different, here’s how it works:

1. The proprietary software goes to work scrubbing your report for errors such as duplicate late payments being reported, active collections or late payments that should have been included in a bankruptcy, late payments or collections from an account where you were the authorized user, etc. These are legitimate mistakes that should not negatively affect your credit, the system then WRITES LETTERS FOR YOU to the credit bureau and tells you were to send it!
2. It measures your current use of credit vs. the credit bureau’s ideal usage models and tells you if you need to reduce the use of credit (i.e. pay down the balance) or increase your use. It will even tell you if you have too many accounts open and need to close some of them, or if you need to open new accounts because you don’t have enough credit. And if your credit is in the toilet and you can’t qualify for any new accounts, don’t worry they have a secured credit card company that GUARNTEES they will approve you regardless of credit history or score.
3. Quarterly the system assesses your progress and notifies you of your improved score, then sets up the action plan for the next 90 days. It’s literally like a Credit Coach, consistently measuring where you’ve improved and what items still need to be worked on for you to have a perfect score.

Go there now and check it out www.utahcreditcoach.com! There’s tons of free information about credit coaching and how to improve your credit score. Once you’ve visited the site, please send me an email or give me a call and let me know what you think.

Josh Mettle is a top producing Professional Mortgage Lender in Salt Lake City, Utah.  Josh is also a fourth generation real estate investor, and owns a number of rental homes, apartment units and mortgages.  If you’re ready to buy or sell residential real estate, get Josh’s latest free tips, tools and newsletter at http://www.joshmettle.com Utah Real Estate Professionals can keep informed by visiting Josh’s Mortgage and Real Estate Blog at http://www.joshmettle.com/blog/