I get it—credit scores can feel like that one stubborn friend who never wants to cooperate. But here’s the thing: your credit doesn’t have to hold you back from homeownership. As both a Realtor and a credit repair guide, I’ve helped people just like you go from “I’ll never qualify” to, seeing things come off of their report, to receiving the keys to their first home. Let’s team up to fix your credit and find you a house you’ll love.
Credit Repair
Let’s Talk About Your Credit… Because Your Dream Home Can’t Wait
Why Work With Me?
“I’ve been in your shoes.” When I bought my first home, I had credit issues too. I know the stress, the confusion, and how good it feels to finally break through.
No judgment, just solutions. Late payments? Collections? Bankruptcy? Let’s tackle them—not lecture you about them.
Realtor + Credit Pro = Your Secret Weapon. I’ll help you repair your credit and show you exactly what lenders want to see in order to be purchase ready.
Here’s How We’ll Do It Together
Let’s Grab Coffee (Virtually!).
We’ll start with a FREE 15-minute chat to review your situation. We will discuss what's hurting your score and what we can fix fast. No jargon, no sales pitch—just straight talk.
Then It's Time To Roll Up Our Sleeves
Now it's time for the Credit Detox: Report analysis, disputing errors, negotiating with creditors, and teaching you how to avoid pitfalls. You focus on packing boxes for your future home!
Celebrate Milestones!
Got a collections account removed? Score jumped 20+++ points? We’ll high-five (even if it’s over Zoom) and keep pushing until you’re mortgage-ready.
“But How Long Will This Take?”
Most clients see progress in 30–90 days. Could be faster if we’re just fixing errors, or a bit longer if we’re rebuilding from scratch. Either way, I’ll keep you in the loop every step of the journey
Fun Fact
Did you know a 620 credit score could qualify you for a conventional loan? And with an FHA loan 580 credit score, you might only need 3.5% down!
3 Credit Mistakes I See Homebuyers Make (and How to Avoid Them)
“Confession: I Almost Ruined My Credit Before Buying My First Home. Don’t Make These Mistakes!”
Hey, it’s Jerrica here. Let’s get real for a second: I’ve worked with future homebuyers, and I’ve seen the same credit mistakes over and over. Worse? I’ve made some of them myself. Here’s what to avoid so you don’t sabotage your homebuying journey:
Mistake #1: Closing Old Credit Cards.
“But I never use them!” Trust me, I get it. But closing old accounts shortens your credit history and can DROP your score. Instead: Keep them open, charge a $5 coffee once a year, and pay it off. Easy win.
Mistake #2: Ignoring Collections (They Won’t Magically Disappear)
That $200 medical bill from 2018? Yeah, it’s still haunting your report. The good news: Even if you pay it off, I can help negotiate a “pay for delete” to remove it from your history entirely.
Mistake #3: Applying for New Credit Right Before Mortgage Shopping
Your friend’s offering 20% off at Furniture Warehouse? Wait! Every credit application causes a “hard inquiry” that dings your score. Save the retail therapy for after you close on the house.
BONUS TIP: Check your credit report at least 3–6 months before house hunting.
Why? Because fixing errors takes time—and you don’t want to lose your dream home
over a typo.
My Story (Because We’re Friends Now)
When I bought my first house, I didn’t check my credit report beforehand. Turns out, there was an error dragging my score down by 80 points. I had to delay my home search by 4 months to fix it. Don’t be like past-me!
Let’s Get You Mortgage-Ready
Whether you’re a first-time buyer or a seasoned pro, I’ll help you dodge these traps. And hey, if you’re local to Mississippi or Atlanta, I’ll even scout neighborhoods with you while we work on your credit!
FAQs: Your Credit Repair Questions, Answered
Will credit repair hurt my score?
Nope! We play by the rules—no shady tricks here. Legally disputing errors or negotiating with creditors improves your score, not hurts it. Think of me as your credit coach.
How long does credit repair take?
Most clients see progress in 30–90 days—sometimes faster if we’re fixing simple errors. If you’re rebuilding from scratch (like after bankruptcy), it might take a little longer. But don’t worry: I’ll keep you updated every step of the way.
Can I fix my credit myself?
Sure, you can, but I’ll be showing you how to do the paperwork, follow-ups, and creditor negotiations.
Do I need to pay off all my debt first?
Not necessarily! Sometimes, just lowering your credit utilization (that’s fancy talk for “how much you owe vs. your limit”) can boost your score fast. We’ll prioritize what matters most for your goals. But this is something we will discuss on our first work call.
What if I’m already house hunting? Is it too late?
Great question! Even small, quick fixes can help you qualify for better rates. Plus, as your Realtor, I’ll connect you with lenders who work with your current score while we improve it.
How much does this cost?
Let’s chat! I offer transparent pricing—no hidden fees. Many clients are shocked at how affordable it is compared to the thousands they save on mortgage interest with a better score.
Can you help remove bankruptcies/foreclosures from my report?
Yes, I’ll help, but with everything else, it’s not guaranteed to be removed as quick. But bankruptcies can be remove
Will you stop after my credit is fixed?
Only if you want me to! Once your score is mortgage-ready, I’ll help you shop for homes (that’s the fun part). Think of me as your “credit-to-keys” guide.
What if I have collections or late payments?
No judgment here. Collections are negotiable, and late payments lose their sting over time. We’ll tackle them strategically—like a credit Marie Kondo.
Is there a guarantee my score will improve?
I wish I could promise that! But ethical credit repair means no false guarantees. What I can promise: hustle, transparency, and a plan tailored to your unique situation.
P.S. Still nervous? I get it. Shoot me a text at 971.801.8324 or email jerrica.brumfield@exprealty.com with ANY question. No sales bots here—just me, JERRICA, your credit-detox Realtor.