Real People, Real Credit, Real Results! At Southern Trust Mortgage, we know that securing a mortgage is a big step in your financial journey. One of the most crucial factors in your approval and interest rate is your credit score. A higher score not only increases your chances of approval but can also save you thousands over the life of your loan.
But what if your credit isn’t where it needs to be yet? The good news is that with the right guidance and a few strategic moves, you can boost your score faster than you think. Our in-house credit expert analyzes credit reports, identifies areas for improvement, and provides personalized recommendations to help borrowers secure the best possible financing.
Let’s learn about some Real People, Real Credit, Real Results!
198-Point Increase
A borrower’s credit was being weighed down by a past-due balance on an account they weren’t even responsible for. By removing themselves as an authorized user, their score jumped from 555 to 753, making homeownership a reality.
103-Point Increase
A $75 collection account was holding a borrower back. After paying it off and securing a “paid and deletion” letter, their score climbed from 665 to 768, qualifying them for better mortgage rates.
90-Point Increase
A borrower had two accounts with outdated balances impacting their score. After updating their balances, their credit improved from 611 to 701, opening up more loan options.
64-Point Increase
A $365 collection account was preventing mortgage approval. Once the debt was settled and removed, their score increased from 613 to 677, making them eligible for a home loan.
75-Point Increase
A borrower carrying a $650 collection settled the debt and obtained a removal letter, boosting their score from 649 to 724, improving their mortgage terms significantly.
These success stories prove that improving your credit doesn’t have to be complicated. By working with Southern Trust Mortgage’s credit expert, borrowers have been able to remove negative accounts, pay off collections, and correct outdated balances—leading to substantial credit score gains.
If you’re preparing to buy a home and want to maximize your credit potential, we’re here to help. The right steps today can mean better rates, lower payments, and a smoother path to homeownership.
Contact us today to start your credit improvement journey with Southern Trust Mortgage.
Ready to take charge of your credit? Contact us today to explore your options and start improving your credit score for a brighter home-buying future with Southern Trust!
