Credit Security Group

Who we are. What we do. How to contact us.

Who We Are

How and Why We Started

Since 2004…

Credit Security Group helps borrowers increase their credit score for mortgage loans.

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.

Experts in Credit Scoring 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
Twelve 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. Twelve 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
Thirteen 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
Seventeen years experience in FICO credit scoring for mortgage lending. Analyzed credit reports for over twelve thousand borrowers in co-ordination with lenders.

Executive Assistants

Mary Colling

Research Assistant

Angel Weers

Research Assistant

Ashley Brown

Executive Assistant

Marda Light

Executive Assistant

Management and Technical

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

If you need them, 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

If you need them, 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 the education, analysis and planning, we charge $150 for an individual and $200 for a couple. [ More about the Credit Security Analysis…]

Services after 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.

“The best part of my job is helping good people and you do a lot of that. Thanks again for all you do.”

R. Devlin McNamara
Vice President, Bank of America Mortgage

“I know when I receive a referral from Credit Security Group they are right on the law and properly prepared to win in court.”

Dennis McCarty, McCarty Law Firm, LLC
Attorney specializing in Fair Credit Reporting Act and Fair Debt Collection Practices Act.

How to Reach Us

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

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We're here to help…

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

2245 Keller Way, Suite 320
Carrollton, Texas 75006-2515

PHONE

972.820.0342

FAX

214.367.3930