Who we are. What we do.

Who We Are

Since 2004…

Credit Security Group

By 2004, the world of mortgage lending had completed its evolution: a major change with a major impact.

Home lending used to be based on a personal relationship between the borrower and lender. Now it was computerized, automated, based on a confusing interconnected world of ever-increasing unchecked data. Impersonal, unaccountable and bewildering to both sides of the loan.

Good borrowers are too often rejected because of their credit scores. Neither borrowers nor lenders know how credit scoring works. And bad information leads to bad results.

Credit Security Group was founded in 2004 at a meeting of seven experts in credit, mortgage lending and data analytics. Their goal was to solve the major problems crushing the hopes of families wanting a home.

These problems are not only still there, they've gotten worse. Solving them is still the reason Credit Security Group exists. This is what we do and what we offer you: To help you to reach your goals, accomplish your dreams and gain peace of mind.

If these problems are your problems, please contact us to discuss how we can overcome them together.

The Experts in Credit Scores for Home Loans

Credit Security Group's team of experts has over 50 years of experience in credit reporting, FICO scoring, the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA) and mortgage lending requirements.

Lance Stewart, Credit Analyst, Credit Security Group
LANCE STEWART
Senior Analyst
Eighteen years experience analyzing credit reports for mortgage loans; teaches continuing education course on FICO Credit Scoring for Mortgage Professionals.
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DIANA ALLEN
Director of Research
Certified FICO Professional. Fourteen years experience managing communications with creditors and Credit Reporting Agencies; expert in FCRA and FDCPA.
Eddie Johansson, President, Credit Security Group
EDDIE JOHANSSON
President
Nationally-recognized expert in credit scoring; expert witness in federal court on FCRA cases; guest speaker to banking associations.
Rosalind Johansson, Credit Analyst, Credit Security Group
ROSALIND JOHANSSON
Snr. VP/Analyst
Twenty years experience in credit scoring for home loans; Expert in Fair Debt Collection Practices Act; specializes in communications with collection companies.
Mike Garcia, Credit Analyst, Credit Security Group
MIKE GARCIA
Senior Analyst
Twenty-five years experience in FICO credit scoring for mortgage lending. Analyzed credit reports for over twelve thousand borrowers in co-ordination with lenders.

Mary Rambin

Operations Manager

Angel Weers

Research Analyst

Mindy Montgomery

Data Analyst

Eddie Johansson

Chief Operations Officer

John Johansson

Chief Technical Officer

What We Do

01

EDUCATE

Learn how the credit system really works and how your credit history affects your score – for good and for bad. Education from experts in credit scoring.

02

ANALYZE

Our experts analyze your credit history and score and go over each account with you, explaining its impact and how it affects your goal.

03

PLAN

A personalized plan based on your financial situation to reach your goal. Education, analysis and planning are all included in your Credit Security Analysis.

04

EXECUTE

We've developed a wide range of additional tools, used individually or in combination to accomplish tasks specific to increasing your score.

What We Do

01

EDUCATE

Learn how the credit system really works and how your credit history affects your score – for good and for bad. Education from experts in credit scoring.

02

ANALYZE

Our experts analyze your credit history and score and go over each account with you, explaining its impact and how it affects your goal.

03

PLAN

A personalized plan based on your financial situation to reach your goal. Education, analysis and planning are all included in your Credit Security Analysis.

04

EXECUTE

We've developed a wide range of additional tools, used individually or in combination to accomplish tasks specific to increasing your score.

How We Charge: Fees and Costs

The Credit Security Analysis

For credit score education, analysis and planning, we charge $350 for an individual and $500 for a couple. [ More about the Credit Security Analysis…]

About half the time, the Credit Security Analysis is all our clients need. In other cases, executing your plan can involve additional costs. This can include payments to creditors and fees for service. We only offer services specific to increasing your score - and that you cannot do yourself.  These will be clearly explained after your Credit Security Analysis. In some situations, legal action is required to force creditors to follow the law. We refer these to a federal attorney who specializes in credit who will handle your case at no charge to you.

We work nationwide – in person or by phone and internet.

Contact Us

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We're here to help…

We're here to help you increase your credit score to achieve your dreams.

Please let us know if you have any questions or special circumstances that we can help you with. Use the form to send us an email and we'll get back to you quickly.

We can help anyone in the U.S. by phone and internet; or, you can visit our office and meet in person.

Hope to hear from you soon!

ADDRESS

2591 Dallas Parkway, Suite 300
Frisco TX 75034-8563

PHONE

855.888.8812

FAX

214.367.3930