For Mortgage Professionals

Questions and Answers

Can you help my borrower?

We help everyone who sincerely wants to improve their credit score to buy a home. We've been doing this since 2004.

The first step for those you refer is our Credit Security Analysis  – an immediate and long-term value to every borrower.

Those you refer are educated on how the credit system works, how FICO mortgage credit scores work, how their past has determined their score, and what they need to do to reach their goal for a home loan. Education, knowledge and understanding the future helps everyone you refer.

It is extremely important to us that every borrower who uses our service is helped and is grateful for your referral. Our 300+ testimonials, 5-star reviews on Google, Yelp and Facebook – and A+ BBB rating – are evidence of our commitment to this goal.

“Gave me the knowledge, gameplan and confidence I needed to get back on track and return to planning for my future with a optimistic outlook.”

“It is shocking how misinformed I was regarding general knowledge of credit and credit scores.”

“The information from the video and analysis discussion was excellent!”

“The information that you provided me and most of all, the education is something that everyone should take advantage of.”

“Now I know exactly what needs to be done and what the result will be.”

“I come in contact with a lot of information on financial topics but your course is one of the best I’ve ever seen. I would highly recommend it for anyone to take.”

Can you help them get a loan?

“You were aware of my credit score goals and in a matter of two weeks, increased my credit score by over 80 points!  I'm now ready to begin building my dream home!”

“Credit Security Group was able to increase my credit score by 100 points. Since then, I bought a house for more than $600,000, refinanced the mortgage and also obtained two car loans.”

“We were hoping to increase our score by 20 points; we were floored to see our score increase by nearly 40 points in less than 60 days! I absolutely cannot overstate how good Credit Security Group is.”

“The information that you provided me and most of all, the education is something that everyone should take advantage of.”

“But here we are 90 days later, we have exceeded the credit score goal and the mortgage has already been secured!”

“CSG raised my credit score from 516-640 in 45 days. Now, I can purchase my first home and I couldn't be happier.”

“All the hard work that your research team did has raised my score 128 points.”

“Robert's credit shot up 37 points to 647! We've locked in our rate, lower due to the increased score; and, our estimated closing date has changed to the 1st week of August.”

Yes. And as soon as possible. We have increased borrowers' scores to qualify for a loan in as little as seven days.

Some take a little longer, some a lot longer, depending on their history, financial situation and home goal.

But every borrower who chooses our service will have a specific, achievable, plan that will result in qualifying for a home loan  – based on their capabilities, resources and goals.

What services do you provide?

In addition to the education, analysis and planning service above, we offer services the borrower cannot do on their own. These include:

  • Communications with credit bureaus and collection companies.
  • Giving instructions to borrower, coaching them on their tasks, and following up.
  • Removing collections for legal reasons in accordance with FCRA.
  • Rescore preparation to make your rescoring effective and cost-efficient.
  • Legal representation: When creditors or bureaus refuse to do what is required under the law, and communications have failed, our attorney files lawsuits on their behalf. (To date we've filed over 180 lawsuits and have won them all for our clients.)

Different from credit repair?

Credit Security Group is not credit repair, it's better.Credit repair companies tend to apply the same solutions to every problem:

  1. Pay down revolving (may not help and can waste money that is needed elsewhere.)
  2. Open a new credit card account (may not help and can lower the scores.)
  3. Dispute everything.

Four things can happen with disputes – and three of them are bad. They can blow up loans. One of our hardest tasks is cleaning up the mess from a credit repair company.

We dispute accounts for about 25% of borrowers – only when it will help close the loan. Everything we do, every service we perform, has sound analysis behind it and is only done if it will help close the loan.

Why should I refer my borrower?

In addition to helping borrowers, closing more loans and building relationships with your realtors, we can save you time, money and trouble.

You save the time spent trying to do credit repair, with or without an internet application: all the time it takes to learn credit scoring and report analysis as well as communicating, educating, instructing and following-up with borrowers.

You save money spent on internet applications and rescoring. On rescoring: we know when accounts update with different bureaus, and what bureaus and accounts need to be updated. Often, natural updates will eliminate the need and cost of rescoring. We will also help you avoid either rescoring too many accounts/bureaus or too few.

You save the trouble of being a credit repair loan officer and the risk of over-promising, being wrong, and damaging relationships.

What happens after I refer?

• We notify you that we've received the referral.

• We contact the borrower and discuss our services and inform you about the result of this discussion, whether they agreed to consultation or not.

• If they agree to the Credit Security Analysis, we let you know the result.

  • If all they need is the analysis and are executing the plan on their, we tell you that and then, after the plan time period, we send you a communication that their plan should be completed.
  • If they need additional services from us, you are kept updated on their progress and notified when they're ready to come back for their loan.

Borrowers who want to know the truth and are committed to doing what it takes are the ones who will make it back for you to close. In this way, we're a qualifying tool for you. Those that are truly motivated remain in your queue through us.

How do I refer a borrower?

Tell your borrower that you work with someone who can help them – really help them. Experts who will teach them about credit scores as applied to their credit report. Experts who will analyze their situation and goals, and get them on track to a home as soon as possible.

Then:

  1. Ask for their permission to send Credit Security Group their information, and your loan marching orders, in order to contact them.
  2. Let them know the fee for the education and analysis and that it comes with a full money-back guarantee. $150 for individual/$200 for couple/joint.
  3. Fill out and send the referral form to get the needed information to us.

We realize this takes time and effort from you. Many of our referrers have a team member handle the process of referring.

We also have a Preferred Referral Partner program that offers addition time-saving tools for referring and keeping track of your referrals. If you'd like information, please let us know using the contact form below.

 

Secure Payment Portal

Referral Form

The experts in credit scores for mortgage loans.

We Serve Mortgage Professionals Nationwide

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Need More Information?

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

ADDRESS

2245 Keller Way, Suite 320
Carrollton, Texas 75006

PHONE

972.820.0342

FAX

214.367.3930