Homes for Sale | Call 678-757-5364 | Elegance Realty provides Professional Real Estate assistance to Buyers and Sellers in Atlanta GA.

Credit Tips

Credit Scores

Q:  Where Can I Find My Credit Score?
A:  There are many online resources available to obtain your credit scores, and credit card companies often provide them on monthly statements. 

Below are some of the resources our customers have found to be easy and free to verify their FICO score:
  • CreditKarma
  • freecreditreport.com
  • freecreditscore.com
  • ​creditscorecard.com (Discover)
  • FREE EXPERIAN CREDIT SCORE:  http://www.experian.com/blogs/ask-experian/get-free-fico-score/

Credit Scores for Lease-to-Own Programs:
  • You will need at least a 480 Middle Credit Score in order to qualify for one of our 4 programs.

More Credit Tips:

Monitor personal information, account statements and credit reports. 
Free Equifax monitoring?
  • Equifax is offering all U.S. consumers free credit and identity theft monitoring for one year.

Freeze or Lock your credit file
  • If you think you've been compromised, you can also freeze or lock your credit file.   
  • A security freeze prevents lenders from accessing your credit report. However, it will prevent you from applying for credit unless you temporarily unfreeze the account.

You’ll receive a PIN to “thaw” your credit. Keep it in a safe place.
Here’s how to request a freeze:
Place Fraud Alerts if a freeze is too much
  • If you plan to apply for credit in the near future, you can place a fraud alert on your files with Experian™, Transunion® and Equifax™. 
  • If you don’t want to lock out all creditors — perhaps you’re in the middle of mortgage shopping or refinancing — you can place a 90-day fraud alert on your credit. This tells potential creditors to verify your identity before issuing credit in your name.
  • Contact one of the three bureaus, and it will notify the others.

Credit Repair & Restoration

LEXINGTON LAW
Get started with your FREE credit report consultation and see why thousands love Lexington Law.
Phone # 855-856-5233
IMPORTANT:  Provide Affiliate ID 11166
CREDITREPAIR.COM
You can improve your credit score.

－－－ Get your FREE －－－
Personalized credit consultation
Credit report summary
Score evaluation & game plan
HOME LOAN ASSIST
​Jimmy
[email protected]
https://homeloansassist.com/contact/
888-795-9088 ext 942
MICHIGAN CONSUMER CREDIT LAWYERS
Gary Nitzkin
​[email protected]
Phone:248-353-2882
Toll-Free: 888-293-2882

Preferred Partners

SELF LENDER
Self Credit Builder Loans (Formerly Self Lender)

Build Credit History & Save Money, starting at $25 per month.
MINT MOBILE
Premium Mobile Phone Service:  Only $15/month!
CASHAPP
Use Cash App to send money, and Spend using the Cash Card. Try it using my code DXZLWGL, and get $10.
​https://cash.app/app/DXZLWGL

Report Rent Payments to Credit Bureaus

RENT REPORTERS
Helps renters improve their credit by reporting their on-time rent payment history to the credit bureaus. In just 15 days, we verify and report up to 2 years of payment history, which on average results in a score increase of 40 points. For the 45 million who are unscorable, RentReporters can help establish their credit, giving them access to affordable credit products.
ROCK THE SCORE
Join rent reporting program, and gain an immediate boost to your credit score with major credit bureaus.
It's quick and easy!

County Magistrate Courts:  Search Evictions / Dispossessory Actions

•  Camden   •  912-576-5601
•  Clayton
•  Cobb (Search Court Records)
•  Cobb (e-Filing)  •   Must create an acct, then input case #.
•  DeKalb
•  Fayette Civil & Criminal, Fayette Magistrate Search
•  Fulton (Search Court Records)
•  Fulton (Landlord-Tenant (Dispossessory))
•  Gwinnett (Case Search (Recorder's Court)) 
•  Gwinnett (Odyssey Portal Case Search)
•  Henry

Monitor Credit Scores

Mortgage Lender / Credit Coach

DHI MORTGAGE HOME BUYERS CLUB
​ABOUT Home Buyer Club 

APPLY HERE:  www.dhimortgage.com

*** Can only assist if your credit is improvable within 6 months. ***
​ • Depending on scores, complimentary program owned by DR Horton (HBC)
 • Do you want to purchase within 12 months?
 • Prequalify with DHI Mortgage
 • Determine how much you'll qualify for, loan payments, D/P, Home Buyer Programs available, pull credit report, look at Credit Scores.
 • Assign Credit Coach who will work one on one, assist you to get the score to where it needs to be. Could take 2 weeks to 10 months.
 • If you have good credit, they can help you get a better score to get a better loan.
 • Will let Agent know when you're good to go, so I can help you find a home.
 • More incentives to make sure you use DHI Mortgage, such as 10-15K for Closing Costs, but can use any Mortgage co.
 • Don’t have to buy a brand new DR Horton, can purchase resale.
 • Must be current on payments within 90 days to be eligible.

Secured / Prepaid & Traditional Credit Cards

The Easiest Way to Build Credit
​First Progress Platinum MasterCard®
Start Building Your Credit.

​**Coming Soon**
Full-featured credit-card with a credit line based on a refundable security deposit instead of your credit score. The card reports to all three credit bureaus every month to help establish or re-establish new credit history.
OPEN SKY® Secured Visa® Credit Card
No credit check to apply.
We don't pull your credit when you apply — so there’s no impact on your credit score.
We report to all three major credit bureaus
Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.

www.facebook.com/openskycard
Become a Discover Cardmember and get a $50 Statement Credit when you make your first purchase within three months. Then, earn rewards with every purchase after that.
© 2006 - 2022 Elegance Realty, LLC
All rights reserved.
Office: 678-757-5364 | [email protected]
Elegance Realty provides Professional Real Estate Services to Buyers and Sellers in the Atlanta GA metropolitan area.
Homes for Sale | Call 678-757-5364 | Elegance Realty provides Professional Real Estate assistance to Buyers and Sellers in Atlanta GA.