Step 1: Forward your credit reports After signing up, we pull your credit report from all 3 bureaus.  We then have the "before" picture of your credit score.  Once we take action on your credit file you will receive updates directly from the 3 credit bureaus.  Your participation begins by forwarding to us your credit reports from the three major credit bureaus as updates are made on your file.   With each action taken on your account, you will receive updated reports from the bureaus.  It is important to forward each updated report to us so we can track which items were deleted.  Reports should be faxed to our office, or scanned then emailed (see questions at bottom for more).
	Step 2: We review your report Once your credit reports are received, our staff enters the information into our database.  We determine where we can enhance your credit report at this time.  Then the process begins for our 90 day action plan.
	Step 3: BMCSF works your account BMCSF begins the enhancement process by drawing upon its vast arsenal of leveraged strategies and experience to challenge questionable negative items directly with the credit bureaus.  Depending on the number of questionable items on your credit reports this step will be repeated for each subsequent loop through the cycle.
	Step 4: Sit back and relax It usually takes 60 days from the day we send a dispute to the day you receive an updated report sometimes sooner.  When you receive a response from a bureau, make a copy of the updated report for your records then send a copy via fax or scan it and send an e-mail to BMCSF.  Thus the cycle begins a new, you will find fewer questionable items on your credit report as the process continues.  After a total of 90 days the process will be complete and we'll have an "after" picture of your credit score.  We then monitor what has been enhanced to your credit report for 6 months once the enhancement is complete.

Take Quiz

1. BMCSF Will Help You Understand and Requirements of the Lender in Advance. The first step to ensuring a successful loan process is to have a good understand of how lenders will look at your financial portfolio as it relates to credit. This can be accomplished by getting the answers to some basic questions like:

What do lenders like to see in terms of credit scores?

Do lenders prefer a credit report from a particular bureau?

What are the debt-to-income ratios lenders are looking for?

What is the most critical factor stopping your loan approval?

Unless you are an expert in the field of finance and credit, it’s close to impossible to know what questions should be asked to come up with a strategy that would result in a successful loan process.

2. BMCSF Will Help You Determine “How To” Achieve the Necessary Results. The second step is to determine how you can achieve the results necessary to get the best financing available. That’s where BMCSF can really help you. One of our consultants will give your credit situation an in-depth assessment based on the initial information we receive from your credit report. The assessment takes several hours and becomes the foundation for the strategy used in the remediation process. You have the choice to hire outside professionals to carry out the restoration of your credit or you can do the work yourself. If you decide to hire BMCSF to do the work for you, we will ask you to commit to a 6-month program wherein our experience will guide you through the steps we believe are necessary to help you turn your “denied application” into an “approved loan” as soon as possible.

3. BMCSF Will Help You Do the Work Necessary to Achieve Those Results. The third step is to do the work. After the initial consultation and free pre-evaluation, if you decide to hire BMCSF to do the work for you, we will ask you to commit to a 6-month program. Following are the fees for our program:

Are you ready to get the process started?

Complete the form at the top of this page to start the enrollment process!

How the scores influence interest rates:

Generally, credit scores range from 300 to 900 and an average score of 650 is rated as suitable for getting mortgages at reasonable rates and terms. It's your score that affects the interest rates on your home loan, insurance premiums and even the chances of getting a suitable employment.

The following table demonstrates how your score affects the interest rates and hence monthly payments required to pay off a 30 year fixed rate mortgage worth $210,000.


Let us consider Mr. X having a score of 729 and qualifying for the 30 year fixed rate loan of $210,000 at 6.5%. He pays a monthly installment of $1,360. Another borrower, Mr. Y having a score of 685 gets the same loan amount from the same lender. But Mr. Y makes a higher monthly payment of $1,390 at a comparatively higher rate of 6.7%. The variation in the rates and payments is due to the difference in the scores of Mr. X and Mr. Y.