We always offer free credit repair to borrowers whenever we see the potential for obvious “fixes” on a credit report. To be clear, increasing a score by 140 points is a big reach, but we do often increase scores by as much as 60 points – and that can still result in a rate that is as much as 1/2% lower. We use credit repair software to run “what if” scenarios, and then advise borrowers on what to pay off or how to shift balances. Borrowers don’t usually have to pay off entire balances either, but instead need to simply pay them down to optimal levels.Read More