In The News...
Federal Housing Finance Agency's Director Mel Watt will be speaking this week at the Mortgage Bankers Association's conference in Las Vegas and could announce loosening of GSE credit standards. Rumors are swirling that Mr....
FREE - We have a powerful ‘fixing credit report errors’ credit section, which includes tons of information and sample letters designed to help you through the process of improving your credit.
The truth about improving your credit score No one can legally remove accurate and timely negative information from a credit report. But the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. Everything a credit repair clinic can do for you legally, you can do for yourself with the tools we provide here.
You see the advertisements in newspapers, on TV, the Internet, fliers etc. They all make the same claims: Save your money AND your credit standing - don't listen!
The typical “scripts” in the ads…
"Credit problems? No problem!"
"We can erase your bad credit-100% guaranteed."
"Create a new credit identity-legally."
"We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!"
The Majority of These “Credit Repair Agencies” Are Scams
Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is they can't deliver. After you pay them hundreds or thousands of dollars in up-front fees, these companies do nothing to improve your credit report; many simply vanish with your money and potentially even lower your score.
Follow everything in this section and you can, in the majority of cases where there are mistakes on your report, improve your credit standing.
We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit
repair business. You can remove erroneous information from your credit report by following instructions contained in this section
of our website, or seek the help of a true professional, NOT a "Credit repairing agency" - that is the worst thing you
This website section has been prepared for general information purposes only. The information in this section is not legal advice.
Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are
not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of
laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore,
the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.
Disclaimer of Warranty.
The materials, information and forms available in this section of the website are provided without any warranties, express, implied or statutory. Any and all implied warranties of merchantability or fitness for a particular purpose are hereby disclaimed.
Americana Mortgage Group
NMLS# 22338 1615 Northern Boulevard, Suite 404
Manhasset, NY 11030
Phone (888) 262-6685
Fax (516) 627-0229