The minimum credit score now required for most mortgage programs is 640.  Yes, 640!

Unfortunately, some of my clients don’t realize their credit scores are low until I pull a credit report on them.  Once I share this unfortunate reality, the first question they ask is, “Josh, how do I get my credit scores back up?”

Sometimes, it’s as easy as paying down the balances on the credit cards you have, but that’s not always the case.  Credit repair on past accounts can be very difficult and time consuming for most of us to repair.  I recommend you use a credit repair company.  I look at it this way, I’m personally horrible when it comes to fixing a plumbing problem, so I hire a licensed plummer.  Could I take the time to figure out how to the repair the problem…sure, but you have to pick and choose your battles when it comes to hiring someone versus doing it yourself.

My clients in the past have had nothing but positive things to say about the credit repair company I recommend, Lexington Law – Credit Repair.  They are the leading firm in credit report repair and have served over 500 million customers.