The Cross Timbers Gazette (Flower Mound, Tex.), Vol. 31, No. 4, Ed. 1, April 2005 Page: 4 of 20
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www.caribbeanbeacliwear.com
E-Mail: judy@caribbeanbeachwear.com
Ph. 817-430-9853
THE CROSS TIMBERS GAZETTE
Service J jRrst
Y Jj Bea Mitchell, Mortgage Loan Consultant
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Bea Mitchell
Loan Consultant
Branch Manager
Service First Mortgage
1992 Justin Road Suite 200
Lewisville, TX 75067
Office phone: 972-318-3030
‘We are more that a mortgage lender we are your neighbors!”
Double Oak resident since 1999
www.doubleoakneighbors.com
_Your neighborhood web site!
Credit Errors and Credit Scores
Contributed by Bea Mitchell, Mortgage Loan Consultant
Mistakes on credit reports can take weeks, if not months, to fix, even when the creditor or
credit bureau acknowledges the error. When you’re under a deadline to close a mortgage,
though, you don’t have the luxury of time. There is a way to speed up the process, but it’s not
well known.
Rapid re-scoring is a service offered through some residential mortgage credit reporting
companies. It allows you to fix mistakes on credit reports in days or weeks, instead of months.
The credit reporting companies that offer this service have special dedicated access to the
major three credit reporting agencies that allows them to make changes to credit reports and
recalculate the score within days, instead of the weeks it can take if go through traditional
challenges.
Rapid re-scoring is not a credit repair program, although some companies that offer this
service will make suggestions for actions that can boost the score, such as paying down a
credit card that is close to its limit. It is really designed for situations where you need to
correct information that is wrong on the consumers’ report. To do this, you’ll need to get
documentation of the correction from furnisher reporting the mistake, usually in the form of a
letter signed by the furnisher, on its letterhead.
Because it can be very difficult to predict what effect a particular action will have on the
credit score, it’s best to use this in conjunction with a service that analyzes the credit score
and makes recommendations for improvements. A case in point: I spoke to a borrower who
paid off a credit card, thinking it would boost the score, but it didn’t. And sometimes closing
credit accounts can hurt you instead of help your score. So make sure you focus on items that
are likely to have the most impact on the score. In any case when you are looking to buy a
home the best bet is to talk to your lender and council with them about your personal credit
situation.
For more information on consumer credit see our reference; The Ultimate Credit Handbook.
Massage Therapy
skiiicare
Make-up
vianlcpfc
pedicure
Bodby Treatment
Hair
specializing in
pregnancy Massage
1091 cross fimbers-saiic KM4)
flower Mound, Texas 75828
The Atrium
* ■ ■ ;
V , (
m
Specialty
if Foods
1001 Cross Timbers Road, Flower Mound, T<
PRIME RETAIL & OFFICES
Dental & Medical Suites
300 sq ft Executive Suites
1000—4000 sq ft Office Suites
For Leasing Information:
1 -800-727-0882 or 940-368-9488
Gluten Free • Wheat Free • Egg Free
Lactose Free • Diabetic • Vegetarian
Much More
FM Specialty Foods
1001 Cross Timbers Rd, Suite 1060
Flower Mound, TX 75028
469.733.FMSF (3673) Cell
972.724.3388
Patrick Kirby
Branch Manager
Wells Fargo Home Mortgage
1001 Cross Timbers Road, Suite 1200
Flower Mound, TX 75028
972-691-2011 ext 103 Office
972-691-1917 Fax
214 403-7285 Cell
patrick.b.kirgy@wellsfargo.com
Phone (972)691-133!
Fax (972) 691 1731
1##1 Cross Timbers Road, Suite 1169
Flower Mound, TX 75628
Anthony Michels, DJP.T
Owner/Dfrecter
Phil Dill Appraisals, Inc.
Real Estate Appraisals & Consultants
Covering Dallas, Fort Worth & Surrounding Counties
Phil Dill
President
1001 Cross timbers Dr., #1080 * Flower Mound, TX 75028
Office: 972-724-9590 Mobile: 214-284-7863
Fax: 972-724-9594 www.phildill.com
www.phildillappraisals.com Phil701 @phildillappraisals.com
Home, Auto Life, Health, Business
insurance
Agency
1001 Cross Timbers Rd., Suite 1140 &
Flower Mound, TX 75028 BBB
Scottie McNelly, President Phone: (972) 410-3030
consolidated@advantexmail.net Fax: (972) 899-6021
3000 Sq Ft Salon
Includes Equipment
For 14 Stations!
Ready To Lease Now!
940-368-9488
FLOWER MOUND PHARMACY
& Herbal Alternatives, Inc.
(972) 355-4614
1001 Cross Timber Road, Ste 1050
Flower Mound, TX
Mcnday-Thursday 8:30 am~6:30 pm*Friday 9 am-6 pm
Saturday 8:30 am-12:30 pm*Sundav Closed
We have TANTOWEL®
1001 Cross Timbers Rd Tel: (972) 691-1160
Suite 2010 Tel: (800) 929-4126
Flower Mound, TX 75028 Fax: (972)691-1170
LARRY LEE JARMON, MBA
BUSINESS & FINANCIAL SERVICES
Tax Returns - Federal & State
Bookkeeping Tax Planning
Notary Public Business Loans
Consultation on Incorporations
C’s Shabby Chic
Unique Jewellery & Gift Shop
The Atrium
1001 Cross Timbers Road, Suite 1080
Flower Mound, TX 75028
ChrissyToth Ph: 972-724-9592
Owner Fax: 972-724-9594
SPECIALTY FOODS + SPECIALTY FOOD
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Johnson, LaRue. The Cross Timbers Gazette (Flower Mound, Tex.), Vol. 31, No. 4, Ed. 1, April 2005, newspaper, April 2005; (https://texashistory.unt.edu/ark:/67531/metapth885015/m1/4/: accessed July 10, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu.; crediting Flower Mound Public Library.