Carl Bunch Credit Repair

Since 2004
253 N Euclid Ave #A, Upland CA 91786
cbcredit@gmail.com          909-985-6104

About Me:

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 I have been performing credit repair since 2004. It is my full-time job, I work alone, all documents and paperwork are performed manually by myself.
I charge $80 per item per bureau (if I can fix the item), there are no other charges.
Questions, advice, and analysis of your credit report is free.

Don't Dispute It ! (especially if you're applying for a mortgage)

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Credit repair is not magic, and most disputes probably won't work. Regardless of what you've heard, there is no magic dispute letter or "verification" letter that will delete every negative item.
That's why it's important to be very selective about which negative items to dispute, because if you dispute the wrong negative item you can make your score worse.
And if you're applying for a mortgage, you will not get approved if any accounts with balances have dispute remarks.
I always offer a free analysis of your report to identify which items we should delete, and which items we should ignore.

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May 2019 Credit Repair Tip:

How To Delete Accounts From Identity Theft

Surprisingly, Identity Theft accounts are the easiest accounts for me to delete.
Credit bureaus and creditors are actually very diligent about deleting fraudulent accounts, IF we submit the proper documents. The same for any fraudulent or erroneous addresses and inquiries on your credit report. 

Talking with realtor Paco Licea about getting over your fear of credit repair:

April 2019 Credit Repair Tip:

How To Qualify For A Mortgage

 Surprisingly, it is not that difficult to qualify for a mortgage at this time. FHA mortgage and CalHFA downpayment assistance guidelines start at 640 score.
You are allowed to have most chargeoffs or collections with balances, as long as your score is at least 640.
Which means we usually don't have to fix everything on your credit report, just enough to get your score over 640. 

MARCH 2019 Credit Repair Tip:

What If I Have No Credit Score?

 

Your credit score is a summation of your positive accounts and negative accounts.
If you have no current positive accounts, you may find that the credit bureaus won't issue you a score.

You must obtain a positive account, but you won't get approved for anything because you have no score.

Your solution is to obtain a secured credit card.

Secured credit cards are available through Bank of America, Wells Fargo, CitiBank, US Bank, and Comerica Bank.

You must leave a deposit, and they will issue you a Visa/MasterCard that will appear on your credit report. If you use it, make you sure you pay the monthly bill promptly. You'll get your deposit back in 1-2 years and the card will then convert to a regular credit card.

FEBRUARY 2019 Credit Repair Tip:

When The Collection Agencies Call You

 

1. Don't ignore them, go ahead and answer the phone.


2. Don't tell them you will pay, don't tell them you WON'T pay.


3. Just give them your correct address, and tell them you only want to communicate in writing, and tell them not to call you anymore.


4. Surprisingly, most collection agencies won't call you anymore.


5. When they mail you the collection letters, save them in a folder. Many will have good settlement discounts.


6. Contact me to review your report, and I will tell you if you should pay any settlement offer.

JANUARY 2019 Credit Repair Tip:

How To Improve Your Bad Credit In 2019

 

1. MOST IMPORTANTLY, get caught up on any open credit cards or installment loans (auto, student, etc). Recent late payments will drastically reduce your score (even more than collections), and can't be fixed through credit repair.


2. Send me your report for a free analysis and estimate. There may be accounts that I can fix or outright delete.


3. Be prepared to settle/pay some collections. However, since your score is more affected by the number of collections (rather than the balances), I almost always will instruct you to settle/pay the smallest collections first (if I can't delete them outright). Depending on your goals, we can usually ignore the largest collections.

December 2018 Credit Repair Tip:

Which collections should I pay to maximize my score ?


1 - Some can be deleted without paying. There are many flaky collection agencies that I can delete without having to pay the collection, so send me your report first for a free analysis/estimate.


2 - Start with the smallest. The total number of collections affects the score more than the actual balances of the collections, so the goal is to first settle/pay as many of the smaller collections as possible.


3 - Only settle/pay collections that appear on 2 or 3 bureaus. It's a waste of money to settle/pay a collection that only appears on one bureau, because it usually won't help your mid score at all.


4 - Ignore collections that haven't updated in 12 months, they affect the score much less than collections that have been recently updated.


If you have a low score or other credit issue, send me your report and I will give a free analysis and estimate, usually within 24 hours.


NOVEMBER 2018 Credit Repair Tip:

Can Inquiries Be Deleted ?


In general, yes.


But keep in mind that only recent inquiries (less than a month old) affect the score.

So if you only need 5-8 points, we might be able to get those points by deleting recent inquiries.


If you have a low score (or other credit issue), send me your report, and I will provide you with an analysis and cost estimate outlining the score improvement potential.


Video

Credit Repair Q & A with Realtor Paco Licea

REFERRALS:

 

Most of my clients are referred to me from mortgage brokers or loan officers. Contact any of these mortgage professionals to verify the quality of my work:


Javier Alvarez

Alvarez Real Estate Group

562-318-4021


Leslie Magodoro

Cornerstone Home Lending
Upland CA 

909-263-9901


Danny Espinoza

Rancho Capital Home Loans

909-257-2175


Eric Hasanoff

Golden Empire Mortgage

909-627-3300


Cynthia Soriano

Academy Mortgage

951-640-9920


Tashaun King

EZ Fundings Home Loans

760-815-4850


Kelly Marsh

Cornerstone Home Lending

805-563-1100


Michael Ewing

Paramount Residential Mortgage

951-515-6126


Lissa Fraga

New American Funding

805-368-6950


Javier Brito

Loan Depot

909-374-1897


Daniel Rubalcaba

909-559-0904


Julian Lopez

Smart Sell Real Estate

888-884-6762


Fidencio Felix

Home Financial CA

714-290-9224


Rosa Rodriguez

ReMax , La Quinta CA

760-578-5865


Leticia Murillo

951-733-8563


Alex Alfaro

Dandi Inc Real Estate

818-554-8202


Pred Kostic

New American Funding

949-445-8870