S&S Private Capital Announced Today Exceeding 25,000 Clients Who Have Utilized Their Credit Score Optimization Systems to Obtain Their Home Loan and Other Financial Goals | Money Watch Finance

S&S Private Capital Announced Today Exceeding 25,000 Clients Who Have Utilized Their Credit Score Optimization Systems to Obtain Their Home Loan and Other Financial Goals Money Watch Finance

Homeowner Utilizes S.O.S. Credit Report Technology and Refinances Mortgage, Saving Over $90,000 in Interest Charges

In just a couple of months after retaining the services of S&S Private capital, Cynthia was able to qualify for the mortgage loan she desired saving her thousands of dollars in interest charges based on her previous home loan.  “The mortgage lending arena is primarily driven by credit reports and credit scores. A privately owned company held the mortgage on my home at a rate of interest in excess of 9%.  At the time this loan was originated, I was grateful for the option, otherwise I would have been forced to sell my home.  My goal from that day forward was to take the necessary steps to achieve a respectable credit score.” expressed the Texas banker.  “Score Optimization Systems did an excellent job counseling me on every account on my reports.” Cynthia continued.  “It was amazing to me the derogatory items on my report were all deleted after S.O.S. sent disputes to the creditors.  This would be very difficult for the consumer without the help of a professional.  The reward for the work S.O.S. did on my behalf came last month when I refinanced my house at a competitive market rate which will save me more than $90,000 over the fifteen year life of the loan!  I am very relieved to have closed the chapter on less than stellar credit.”...Read Full Story 

Mortgage Lenders Attain More Home Loan Approvals with the Aid of S.O.S. - Score Optimization Systems | ABC 13 - Houston

Read the latest News, featured on abc, about S&S Private Capital and our Score Optimization Systems and how we are helping mortgage lenders qualify their clients for home loans.

Mortgage Lenders Attain More Home Loan Approvals with the Aid of S.O.S. - Score Optimization Systems ABC 13 - Houston

Credit Score Optimization Systems Provides Relief to Mortgage Lenders in the Midst of Stricter Home Loan Lending Guidelines

Mortgage professionals are turning to S&S Private Capital’s Credit Score Optimization Systems and credit report technology to increase their home loan approval percentages. With the S.O.S - Score Optimization Guaranteed Home Loan Approval Program, mortgage providers are now able to assist more credit challenged clients in obtaining their mortgage goals while providing a tremendous positive impact in the real estate market and economy.

Guaranteed Loan Approval Program

"The fact that some studies show that more than 79% of credit reports have mistakes leaves me without words. That would be like your bank losing your money over three quarters of the time."
- Chris Reshetar

 

Dallas, TX (PRWEB) May 26, 2011

Mortgage professionals are finding success utilizing S.O.S. - Score Optimization Systems, the latest technology in the credit repair industry. As one of the credit repair pioneers and industry leaders for over twelve years in delivering mortgage providers and their clients more home loan approvals, S&S Private Capital, Inc. has developed an entirely new way of streamlining a true partnership that is providing lenders and mortgage loan professionals across the country with the credit scores their clients require to obtain their mortgage goals regardless of their current credit history.

Melanie Hadley with Cornerstone Mortgage has been able to close several what were once impossible FHA home loans by utilizing S&S Private Capital’s Score Optimization Systems along with its “Guaranteed Home Loan Approval” program, which is revolutionizing the credit repair and rapid rescore industries allowing mortgage providers to close more loans that were once unobtainable.

Hadley was shocked by the quick turn-around. "I was a little apprehensive in turning to credit repair for my clients after all of the horror stories that swarm the entire industry, but the staff at S&S Private Capital along with their S.O.S. technology gave me the confidence to refer clients for, not credit repair, but credit score optimization. Then, when I was able to close a home loan for one of my clients in less than three months which I thought was an impossible situation with a credit score initially in the mid 400’s, I became a firm believer in the success of the S.O.S. – Score Optimization Systems and all of their promises.”

Gene Schwalen, CEO of S&S Private Capital, Inc., developed his S.O.S. - Score Optimization Systems to help individuals accurately reflect their credit risk and identify and eliminate credit reporting errors while optimizing their credit rating and purchasing power. "A negative item may stay on a consumer's credit report for seven to ten years, and sometimes even longer if the debt is sold over and over again and falsely reported. These negative items can be extremely damaging to an individual’s credit score and subsequently cost them thousands of dollars in interest overcharges each and every year, or even worse, deny them the financial solutions they desire. Utilizing our S.O.S. – Score Optimization Systems, we execute the rights of our clients according to Consumer Laws including the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act to challenge these negative items and ensure any and all information that is inaccurate, erroneous, obsolete or unverifiable is removed from their personal credit report. This tremendously and successfully optimizes their credit rating.”

Credit reporting inaccuracies are almost inevitable these days. In fact, the latest research performed by the U.S. PIRG proved that 79% of the credit reports surveyed contained either serious errors or other mistakes of some kind. With the staggering evidence of these credit reporting mistakes in addition to the much stricter lending guidelines, many mortgage loan providers like Chris Reshetar are searching for solutions for their credit challenged clients "It is such a relief to know that I can rely on the services of S&S Private Capital and their incredible technology, S.O.S. - Score Optimization Systems, that provides consumers with solutions and the ability to fight back against the credit reporting agencies and all of the inaccuracies reported to their credit files," says Reshetar, The Mortgage Genius. "The fact that some studies show that more than 79% of credit reports have mistakes leaves me without words. That would be like your bank losing your money over three quarters of the time."

S&S Private Capital, Inc. and its S.O.S. – Score Optimization Systems focus on credit report repair, and more importantly, credit score optimization, while educating clients on how to obtain all their home loan and financial goals by effectively utilizing their credit as a tool, not as a means. In business since 1998, the developers of Score Optimization Systems have helped thousands of individuals, families and businesses across the country and continues to assist thousands of new clients every year realize the value a great credit rating brings.

Credit Score Optimization Systems Provides Relief to Mortgage Lenders in the Midst of Stricter Home Loan Lending Guidelines

Credit Score Optimization Systems Provides Relief to Mortgage Lenders in the Midst of Stricter Home Loan Lending Guidelines

U.S. PIRG Research Reveals an Alarming Number of Credit Reporting Inaccuracies

A study by the U.S. Public Interest Research Group found that 79 percent of all credit reports contained errors. These black marks in your credit history can have devastating consequences:

This is the PIRGs' sixth study on credit report accuracy and privacy issues since 1991. The PIRGs have also participated in state and federal legislative battles to improve credit reporting laws. This report is our first investigation of credit report accuracy since 1996 Congressional changes to the federal Fair Credit Reporting Act (FCRA), designed to improve the accuracy and ease of access to reports, took effect in September 1997. The findings of Mistakes that Can Happen are troubling. An alarming number of credit reports contain serious errors that could cause the denial of credit, a loan, or even a job.

Among the major credit report accuracy findings of the survey:

• Twenty-nine percent (25%) of the credit reports contained serious errors - false delinquencies or accounts that did not belong to the consumer - that could result in the denial of credit;
• Fifty-four percent (54%) of the credit reports contained personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
• Twenty-two percent (22%) of the credit reports listed the same mortgage or loan twice;
• Eight percent (8%) of the credit reports were missing major credit, loan, mortgage, or other consumer accounts that demonstrate the creditworthiness of the consumer;
• Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but incorrectly remained listed as open;
• Altogether, Seventy-nine percent (79%) of the credit reports contained either serious errors or other mistakes of some kind.
  Among the survey's major access to credit report findings:
• Of the consumers that did obtain their credit reports, at least 14% of them were forced to call back 3 or more times after receiving busy signals or had to write a letter in order to receive their report;
• And 12% of the consumers waited two weeks or longer to receive their report once they finished requesting it. It took more than a month for one California man to receive his report.
• Overall, 15% of consumers who attempted to participate in the survey either made at least 3 phone calls and never got through for requested their reports but never received them.

To read the full report, click here: 

 http://www.uspirg.org/home/reports/report-archives/financial-privacy--security/financial-privacy--security/mistakes-do-happen-a-look-at-errors-in-consumer-credit-reports

For more inormation concerning Federal and State CONSUMER LAWS that regulate how information is reported to a consumer's personal credit report including the Federal Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

To learn how S.O.S. - Score Optimization Systems can assist you in removing negative information reported to your credit file, CLICK HERE:  www.scoreoptimizationsystems.com

Score Optimization Systems Helps Qualify More FHA Home Loans Even with Stricter Lending Guidelines in the Current Depressed Market

Mortgage Professionals find success utilizing S.O.S. technology for Credit Score Optimization

Dallas, TX (PRWEB) May 07, 2011 -- Melanie Hadley with Cornerstone Mortgage has been able to close several what were once impossible FHA mortgage loans by utilizing S&S Private Capital, Inc.’s credit score optimization and credit report technology, S.O.S. - Score Optimization Systems, which is revolutionizing the credit repair and rapid rescore industries allowing mortgage professionals across the country to close more loans that Were once unobtainable.

With much stricter lending guidelines, mortgage meltdowns and the deteriorating real estate market, many mortgage providers like Chris Reshetar are searching for solutions for their credit challenged clients who have been drastically affected by today’s economy. "When I heard about S.O.S. – Score Optimization Systems, I did not realize the opportunity to help individuals would be of this magnitude!" said Chris Reshetar, a mortgage professional in North Carolina. "When I was finally able to close on what was originally an impossible mortgage loan and my client was hugging and thanking me, it was an extraordinary feeling. It was amazing to be able to assist someone in getting their life and credit back together while providing them with the mortgage solutions they required. I am honored to have had the opportunity to be a part of that."

Gene Schwalen, CEO of S&S Private Capital, Inc., created his S.O.S. - Score Optimization Systems to help individuals accurately reflect their credit risk while creating a solution to truly optimize their credit rating and purchasing power. "A negative item may stay on your credit report for seven to ten years, and sometimes even longer if the debt is sold over and over again and falsely reported. These negative items can be extremely damaging to an individual’s credit score and subsequently cost them thousands of dollars in interest overcharges each and every year, or even worse, deny them the financial solutions they desire. Utilizing S.O.S. – Score Optimization System, we execute the rights of our clients according to Consumer Laws including the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act to challenge these negative items and ensure any and all information that is inaccurate, erroneous, obsolete or unverifiable is removed from their personal credit report while tremendously and successfully optimizing their credit rating.”

Melanie Hadley was shocked by the quick turn-around, "I was a little apprehensive in turning to credit repair for my clients after all of the horror stories that swarm the entire industry, but the staff at S&S Private Capital along with their S.O.S. technology gave me the confidence to refer clients for, not credit repair, but score optimization. Then, when I was able to close a loan for one of my clients in less than three months which I thought was an impossible situation of a credit score in the mid 400’s, I became a firm believer in the success of the S.O.S. – Score Optimization System and all of their promises.”

Due to the much higher credit score requirements and stricter mortgage lending guidelines, mortgage
professionals are becoming more than just home loan experts, they are now solution providers for their clients.  Thanks to the S.O.S. technology, Melanie Hadley has been able to successfully provide more mortgage approvals for more clients with credit issues. The system was able to take one client’s credit mid-score, once a 454, and optimize it to meet the FHA guidelines in less than three months. This allowed Melanie Hadley to close yet another FHA loan, and more importantly, provide her client with the ability to obtain all of his mortgage and financial goals.

S&S Private Capital, Inc. and its S.O.S. – In business since 1998, the developers of Score Optimization Systems have helped thousands of individuals, families and businesses across the country and continues to assist thousands of new clients each and every year realize the gift of a great credit rating and the value it brings. http://scoreoptimizationsystems.com/

READ THE FULL STORY AT http://www.digitaljournal.com/pr/301090

The Cost of Less Than Perfect Credit

The cost of having "Less than Perfect Credit" affects consumers all over the United States in so many different ways.  As a result, these damaging mistakes can have a life long affect on an individual in many different areas of their life.  S.O.S. - Score Optimization Systems dedicates its efforts to providing positive solutions for those with less than perfect credit while aiming our sites on educating all in making their credit rating work for them.  Our goal is to establish and maintain a lifetime relationship with all our clients. 

What does having less than perfect credit cost me per year?

If you have adverse information in your personal credit file, that information could be costing you thousands of dollars per year in interest overcharges on your home, vehicles, credit cards, and any other types of interest bearing loans.  Less than perfect credit may also be causing you to pay higher insurance premiums, contribute to you being denied by a job, and even prohibit you from providing for your family's future by not having the available funds to plan for your retirement or children's college education.

How can S.O.S. - Score Optimization Systems help me?


Through our consulting and score optimization services, S.O.S. - Score Optimization Systems will
identify all the information, both positive and negative, contained within your personal credit files held by the three major credit reporting agencies:  Experian, Equifax (CSC Credit Services) and Trans Union.  We will then inform you of your current credit rating and what that rating is costing you in interest overcharges, not to mention higher insurance premiums.  Finally, we will assist you in taking the first step in changing your life by assisting you in establishing a better credit rating.  In addition, we will also show you how to utilize the money you may save in interest overcharges to work for you in turning all your dreams into realistic goals as you start to truly plan for you and your family's future.

Look at the first box on the top, left hand side of the worksheet:  This is where we summarize the adversse information reported to our client's credit files that is affecting their credit rating, purchasing power and costing them thousands of dollars per year in interest overcharges.

Monthly and Yearly Rent:  This is an example of the dollar amount that consumers are throwing away monthly and yearly in rent charges they could be investing in their home while also enjoying a yearly tax deduction based on the amount of interest they are paying on their home yearly.

Future House:  This is an example of the money consumers are throwing away monthly, yearly and over the term of their note in interest overcharges incurred due to having a less than perfect rating.

Current Auto:  This is an example of the money consumers are throwing away in interest overcharges on their financed vehicles due to adverse information contained within their credit files.  Can bad credit really cost me almost SEVEN THOUSAND DOLLARS in interest overcharges over five years when only financing $18,000.00?  YES!

Guaranteed Home Loan Approval Program Released by S&S Private Capital, Inc. and its S.O.S. - Score Optimization Systems

S.O.S. Guaranteed Home Loan Approval Program

At S.O.S. – Score Optimization Systems, we understand our clients invest in our services for the ability to obtain their financial goals. Whether these goals are qualifying for a mortgage loan, business solutions, auto financing, credit cards, lines of credit, lower insurance premiums, employment, eliminating debt, or simply to increase cash flow by acquiring much lower interest rates, obtaining any of these goals demands a specific credit rating and credit profile.

S.O.S. Optimizes Credit Scores 3 Ways:

1. Optimizing Positive Trade-lines
2. Re-establishing New Trade-lines
3. Removing Past Damaging Mistakes based on Consumer Reporting Laws including:  bankruptcies, tax liens, judgements, foreclosures, reposessions, collections, late payments and many more

S.O.S. is committed to ensuring every client capitalizes on their investment in our services by providing each and every client with our Guaranteed Loan Approval Program*. Regardless of our clients’ current credit situation, S.O.S. promises to deliver the credit scores necessary for our clients to obtain their financial goals, or they are entitled to a 100% refund of all monies paid*.

S.O.S. realizes its success is a direct reflection of the success of our client’s in achieving all their financial goals. And with our Guaranteed Loan Approval Program, there is absolutely NO RISK making this the very best investment for all our clients and their families.

Contact Us Today for Your Free S.O.S. Consultation!

866.987.7600 Toll Free

optimizemyscore@mycreditsos.com

http://www.scoreoptimizationsystems.com/

*S&S Private Capital, Inc. agrees to refund all monies paid in the event the client has fulfilled all of their contractual obligations, and S.O.S materially fails to deliver any services and score requirements detailed in its executed services agreement.