QUESTIONS? CALL Herman's Cell# 586-787-2909

Attention Realtors & Mortgage Brokers. You Can Now Close More Deals!

We Help Mortgage Brokers & Realtors Get Unqualified Clients Approved For A Mortgage!

Lets face it, not everyone that comes in your office will get approved for a mortgage. We improve credit profiles Fast so that you can get more people approved for a mortgage.

  • Certified Credit Repair Specialist

  • Licensed Realtor, Former Mortgage Broker, And Debt Collector

  • If We Don't Get Results Your Client Won't Pay!

  • Dedicated Back Office Keeps You Updated On Clients Progress

Fast & Easy Application Process.

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You connect us with your client.

We go over what specific issues the client is having with you first. Next we review the credit information with the client and come up with a game plan to get them approved.

We get to work!

We don't blindly dispute items. We systematically improve your clients entire profile to achieve the desired outcome of home ownership. Our action plan system syncs directly with the credit bureaus and lets us know what is needed to achieve the desired outcome.

Your Client is Now Mortgage Ready!

You now have a raving fan that is approved for a mortgage.

We’re all about helping your clients become mortgage approved Fast!

In the mortgage industry, not every applicant will secure the desired outcome. Our credit repair services are designed to address this challenge and increase the number of approved mortgage applications. Our experienced team of professionals will work with you to improve your clients' credit profiles, making it easier for them to secure the mortgage they need.

With a proven track record of success, our process is fast, efficient, and tailored to meet your specific needs. In just 30-60 days, we can help you turn unapproved mortgage leads into closed deals, boosting your revenue and success.

Why People Choose Us

Herman Moxley "President"

of Transform My Score

Stop Losing Deals to Credit Issues: Partner with a Credit Repair Team That Speaks Your Language

"As a Realtor, former mortgage broker, and debt collector, I’ve fought credit battles from every angle of the homebuying process. While generic credit repair shops blindly dispute negatives, we engineer mortgage approvals using industry-exclusive tools: We analyze your clients’ profiles across all 9 FICO scoring models—including the lender-specific FICO® Score 2 (Mortgages) and FICO® Auto Score 8—then deploy a proprietary Level Up Score system to create hyper-customized action plans. This isn’t just ‘credit repair.’ It’s surgical precision: We identify the exact errors killing loan approvals, optimize debt-to-income ratios, and fast-track clients to mortgage-ready scores in 45-68 days—all while giving you real-time updates via our partner dashboard. The result? 87% of credit-killed deals we touch close within 90 days. Stop letting credit denials sink your commissions. Let’s rescue your transactions together."

Transform My Score offers affordable plans and a 100% Money Back Guarantee

Call me at my direct cell number to get started or if you have any questions 586-787-2909 or schedule a quick 15 Minute Zoom Meeting Below:

https://api.leadconnectorhq.com/widget/booking/BhDsnQ7zMonkMaYpIjXY

DEDICATED SPECIALISTS

Our unprecedented experience and track record will help you close more real estate transactions. Period!

SUCCESS STORIES RATING

We have many 5 star reviews, and the best guarantee in the credit repair business. If your client's don't see results than they don't pay!

NO FRONT APPRAISAL FEES!

You have access to our affiliate portal that keeps you 100% up to date on your client's progress.

100% Online & Secure Process

Some of our Awesome Testimonials

Need Help? We Are Here To Help You

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Q. Why choose us to help you with Credit Repair vs other companies?

With our extensive background, experience, and expertise, we can help you with credit education, credit repair, & rebuilding your credit profile to increase your chances of achieving your dreams. The majority of consumers do not know their credit rights and what they can do to improve their credit and raise their scores. There are several federal laws that govern credit repair, credit reporting, credit scoring, debt collections, and more. With the help of our attorney and our vast experience, we are very knowledgeable of these particular laws to help you obtain better credit and raise your credit scores. The result of using our unique credit consulting and credit education system is that you will not only have better credit and higher credit scores; you will obtain the correct and factual information to help you for years to come. Other credit repair companies haphazardly delete accounts, ones in which they should have been corrected instead; drag the client out for approximately two years costing them way over a thousand dollars. More importantly, the majority of credit repair companies do not even know or understand the laws in order to answer clients’ questions or educate them. Knowledge and experience are extremely important in this line of work. You want to get the best results possible while not spend a lot of money to do so. This way they can obtain a new home, vehicle, new job/promotion, or just have pride in having better credit.

Question #2 Is Credit Repair legal?

Answer: Yes, it is totally legal in all 50 states. By utilizing the federal law, the Fair Credit Reporting Act (FCRA) under sections 611 (a)(1)(A) and (5)(A)(i), the law states that a consumer has the right to have an accurate credit report. If anything on a credit report that is inaccurate, obsolete, duplicate, misleading, or unverifiable, then you can correct or delete ANYTHING on your credit reports including bankruptcy, foreclosure, short sale, collections, charge-offs, late payments, tax liens, judgments, etc. By having these erroneous negative items deleted, your credit scores will improve. Keep in mind that deleting an account on a credit report does not mean you do not owe that debt.The federal laws that we use and abide by are:

The Fair Credit Reporting Act

The Fair Debt Collection Practices Act

The Credit Repair Organizations Act

The Fair Credit Billing Act

The Fair and Accurate Transactions Act

The Fair Credit Equal Opportunity Act

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Q. How fast can credit repair take to see results?

Answer: It all depends on how many negative inaccurate, obsolete, misleading, or duplicate items are on your three credit reports. It also depends on the credit bureaus properly doing their job by heeding the federal law, Fair Credit Reporting Act. Clients can often see results from all 3 credit bureaus in as little as 60 days. Remember, credit repair is not a quick fix.

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Q. Is there any guarantee with doing credit repair?

Answer: We cannot guarantee a certain outcome by federal law. We must follow all State and Federal Laws. If an item is not considered inaccurate, misleading, obsolete, duplicate, or unverifiable, then we will not dispute the item on the credit report. We do offer a 100% Money Back Guarantee

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Q. If my client does not get their credit repaired, how long will negative information stay on my client's credit report?

✅ Negative credit (late payments, collections, charge-offs, closed accounts, child supports, civil and small claim judgments,

✅ paid tax liens) - 7 years from the date paid

✅ Chapter 7, 11, and 12 Bankruptcy - 10 years

✅ Chapter 13 Bankruptcy - 7 years

✅ Unpaid tax liens - up to 15 years

✅ Inquiries - 2 years

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