| Credit Issues.
Here's the story. I took a referral for a couple about a month ago. He makes the money and she doesn't work. His scores were, EFX=569, TU=535, &XPN=715. (Yeah I know, what a stupidly wide span from low to high, Right?) He had 2 collections reporting on TU so I told her to pay them and then go online to TU and request the collections to be taken off. She did it and 30 days later his TU score went from a 535 to a 627. Bang approved. In other words if the scores aren't there work with them to try and help them get them up if you see something that could be paid and would raise a score. Obviously it works and the clients will be extatically greatful. You'll lso look very good to a realtor. Happy people = future business. The only catch is be totally honest with the client that is going to try to do this especially if the collections are high amounts. Be sure to tell them, "If you pay these 2 collections off there is a p[ossibility we'll be able to bring up that score enough to get you in a home, but there is the possibility it won't get them up enough." That way you don't have them pay off $1,000 in collections for nothing and they come back saying "You said if we paid these off we could get approved!" I havn't ever been in that situation but I'm sure it would suck. These particular clients paid off $200 in collections and jumped his score up almost 100 POINTS. Just FYI for the new LO's that might not realize it.  | 
