Kathy phoned Veracity Credit Consultants after an embarrassing and disheartening meeting at the local mortgage broker's office.

Thrilled to be moving out of their small apartment, Kathy and her husband had spent the previous days looking for their first house. They finally found the perfect place: A secluded street, big yard, modern kitchen, friendly neighbors...

They met with a loan representative about an adjustable rate mortgage (ARM) program, and hoped to get below 2 % for the first year. But when the loan officer pulled their credit reports, there was a problem: they needed a 650 minimum credit score from all three bureaus to qualify, and both of their credit scores were short.

Kathy got online copies of their credit reports when they got home, and found that her deferred student loans were being reported as delinquent. But it wasn’t true!

Desperate not to lose financing on their dream home, Kathy phoned Veracity and signed up immediately. Kathy didn’t like being forced into a mortgage loan for bad credit and paying hundreds more per month due to a mistake. Veracity agreed, and got right to work.

Her husband only needed six points to reach a credit score of 660. However, he was even happier when he found his FICO score to be 681, knocking even more points off their interest rate. Kathy's credit reports were also corrected, and her improved credit score gave them access to the loan package they desired. Just weeks after the initial dismay, they secured their new home.