InfoGraphic: The Mortgage Process

    Karen Jones is a Licensed Mortgage Loan Officer (NMLS 307015) serving Arizona and California.   As a Banker of over 39 years, she is dedicated in ensuring that her clients are well educated and prepared for their new home purchase.  

Am I Responsible For My Spouses Debt If I Get Divorced?

If your name is on a loan as a borrower or co-signer you’re responsible for the debt. Even if you’ve divorced and your former spouse agreed to handle the debt, your credit is on the line. This also is true even if the debt is supposed to be your spouses responsibility under the divorce decree. […]

Statute of Limitations and Fair Credit Reporting Act

    A lot of people get the statute of limitations confused with the Fair Credit Reporting Act (FCRA) credit reporting time.  While they’re both time limits related to debt, they have different effects. The statute of limitations for collecting a debt is the period of time that a creditor or collector can obtain a […]

July 1st, 2017 Update for IRS Liens and Judgements

Many tax liens and civil judgments soon will be removed from people’s credit reports, the latest in a series of moves to omit negative information from these financial scorecards. The development could help boost credit scores for millions of consumers, but many say could pose risks for lenders. The three major credit-reporting firms — Equifax, […]

Removing Credit Disputes From A Credit Report

Home Loans and Creditor Disputes on a Credit Report, don’t go hand-in-hand.  And the reason for that is this: When a consumer disputes a debt from a creditor, then that debt is removed from the analyzation of a credit score when their credit report is ran.  Therefore, in order to obtain an accurate credit score, […]

Eight surprising ways to raise your credit score

Thank you to Sal Bonanno for his insightful article in regards to improving your credit score.   Sal Bonanno National Account Manager | First Premier Credit Repair Main: 855.278.3578 Boosting your credit score from merely good to great will give you access to the best offers and best rates on nearly everything. Here are some time-tested ways […]

How to Remove an IRS Tax Lien From Your Credit Report

Since it is tax season, I thought I would give you this little known tip for deleting IRS tax liens from a credit report. In February of 2011 The IRS passed a rule that if you have $25,000 or less in Federal Tax Liens and you have a payment plan approved or they are paid, […]

You find a debt on your credit report and you just don’t remember it….what do you do?

Andorra Credit Repair shares some great information on Validating a Collection Debt on your Credit Report: You find a Collection Debt on your credit report and you just don’t remember it….what do you do? Ask for a validation notice. A debt collector must send you a validation notice within five days that explains how much […]

Collections and The Statute of Limitations

Thank you to Sal Bonanno, Regional Account Manager from First Premier Credit Repair.  Please review his recent article in regards to Collections and the Statute of Limitations: It’s no secret that debt collections are bad for your credit report. Any past due account, debt collections included, can have a negative effect on your credit score for as long as it’s […]

Disputes and Credit Reports

  Your credit score will open doors for you when you are in the need to borrow money and your score will determine the cost of that money. So protecting it is extremely important. Our topic of discussion today is to review Disputing Credit and how it affects your score and your ability to move […]

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1­877­276­1974. Copyright 2017. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; WA: Washington Consumer Loan Company License No. CL­145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Karen Jones is a licensed loan originator at AmeriFirst Financial.,Inc. Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral.

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