Who We Are
Since 2004…
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
DIANA ALLEN
EDDIE JOHANSSON
ROSALIND JOHANSSON
MIKE GARCIA
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
Use this form to send us an email.
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!