Brian

So my story is very similar to many people. I wanted to be able to own a property for me and my family. Honestly I had no Idea where to start other than needing to improve my credit score. I had credit card debt, student loans, medical debt in collections and late payments on some auto loans. I had some extra money but I didn't know where to start.

I was introduced to My Credit Plan (MCP) and upon registering at a reasonable cost I was able to see my actual credit scores, not the inflated ones provided by other systems. MCP also provided me with a plan. I was able to input how much money I had to work on improving my credit and it gave me actionable steps to take. Best of all someone was right there ready to help when I had questions. I settled some accounts and paid others down until I got to the auto loans. The extra money was gone by this point and MCP’s recommendation was to refinance them to clear the late payments and raise the credit scores. I spoke with one lender but was told that I owed too much on them at this time to refinance them.

A bit discouraged I continued to hunt for our new property. After two weeks I was at a cross roads. I had to find a way to refinance the vehicles if I was going to be able to buy. So I tried another lender and I was approved. I pushed the lender to get the refinance done and approved and closed within a week. By combining sound advice and hard work I was able to raise my credit score by 111 points in 3 months. IN the last two weeks, I had to improve my score 3 points to get a lower house payment. I got 4 points. 4 points higher was enough to help me secure a lower interest rate for our new condo and saving us close to $200 a month on my mortgage. I am so grateful to MCP and all the support in making this all possible.

Whitney B

I raised my credit score by 80 points in less than three months. Now we are ready to buy a house. My Credit Plan is so helpful to use. Thank you.

Rosa A

We cannot thank My Credit Plan / FFEF enough. We were able to lower our monthly mortgage payment by $126 when we purchased our new house, simply by raising my husband's credit score from 588 to 663 within 75 days. With the higher credit score, we qualified for a lot lower interest rate on our mortgage. We followed the plan found with My Credit Plan and this helped us raised my husband's credit score. We are grateful to all who helped us. This has been a great experience. My questions were always answered and realistic expectations were met. Highly recommend to anyone who needs help.