“A Qualified Home Buyer by Next Month”

“A Qualified Home Buyer by Next Month”





Here is the update Joe, as of tomorrow the credit card balance is paid in full, the cox cable one is processing and the medical collections will be processed by Tuesday and the lady said she deleted it from all the credit bureau's systems so it will never show up even as paid on a credit check after it processes. Also, all the disputes will be off our credit report by next week.


This couple was referred by their Realtor. They were under contract to purchase a home but were denied a few days before closing. This mortgage application should never have been taken, it was DOA.


Once I gave the clients a clear understanding about what they need to do to get pre-qualified, they were on a mission. Unfortunately they had been going to a credit repair company and had been paying them $100 per month for nearly a year. They were supposed to fix everything, which did not happen, they actually made things worse.


These folks ended up with 6 disputed items on their report. You can’t get a mortgage with open disputes on your credit report.

A creditor doesn’t remove items if the debt is still owed no matter how much you pay a credit repair company.


 Image courtesy of Stuartmiles/Freedigitalphotos.net

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 4 commentsJoe Petrowsky • January 09 2018 02:24PM


Good morning Joe. There is something juxtaposed about a credit repair company and real credit repair. They are putting themselves out of a job! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) 11 months ago

Great blog ... thanks for sharing!

Posted by Norma J. Elkins, Realtor - Elkins Home Selling Team ( Elite Realty Group) 11 months ago

Joe Petri 

Thank you for sharing your information

Have a great day. 

Posted by Anthony Acosta - ALLATLANTACONDOS.COM, Associate Broker (Harry Norman, REALTORS® ) 10 months ago

There are way to many companies and people that prey on people in debt.

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) 10 months ago