What items on my credit report can Mortgage Credit Coach help me to improve?

Mortgage Credit Coach helps improve your FICO credit scores by removing items such as:  late payment history, profit and loss statements, collection accounts, judgments, tax liens, and other public records. 

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What are derogatory codes and how do they affect me?

Derogatory codes are on every individual's credit report.  There are too many derogatory codes to list them all, but here are a few that we see the most:

38 - Serious delinquency and public record or collection filed
10 - Proportion of balances to high credit on revolving accounts
21 - Amount past due on accounts
20 - Length of time since delinquency is too recent or unknown
18 - Number of accounts with delinquency
12 - Length of time revolving accounts have been established is too short
30 - Time since most recent account opening is too short
15 - Insufficient or lack of revolving account information

At Mortgage Credit Coach, we know what items cause the derogatory codes to appear on your credit report and how to get them removed.  Removal of the items from your credit report cancels the derogatory code(s) and raises your FICO credit score.