Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change -- but improvement generally depends on how that factor relates to other factors considered by the model. Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application.
Nevertheless, scoring models generally evaluate the following types of information in your credit report:
Scoring models may be based on more than just information in your credit report. For example, the model may consider information from your credit application as well: your job or occupation, length of employment, or whether you own a home.
To improve your credit score under most models, concentrate on paying your bills on time, paying down outstanding balances, and not taking on new debt. It's likely to take some time to improve your score significantly.
At Pacific Mortgage loans Inc., we've been helping customers afford the home of their dreams for many years and we love what we do.
Company NMLS: 342935
Company DRE: 01400742
Pacific Mortgage Loans, Inc.
3455 Ingraham Street
San Diego, CA 92109
Office (858) 228-5060
Direct: (858) 220-9039
Pacific Mortgage strives to ensure that its services are accessible to people with disabilities. Pacific Mortgage has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Pacific Mortgage makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows MikeTheLoanGuy.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).
Pacific Mortgage accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner on the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.
Pacific Mortgage continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.
Despite our efforts to make all pages and content on Pacific Mortgage website fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.
If you are experiencing difficulty with any content on Pacific Mortgage website or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.
If you wish to report an accessibility issue, have any questions or need assistance, please contact us by sending an email to: Mike@MikeTheLoanGuy.com