About Frank Kriticos

Frank Kriticos is the founder of San Diego Credit Solutions, LLC which is a consumer credit & debt consulting company. Mortgage & Real Estate Professionals nationwide refer their clients to us so w...e can improve their credit profile. After our client is completed we return them back to the Real Estate Professional that originally referred us. We do NOT offer mortgage loans or any real estate services. "Credit Repair" is a bit misleading but that is the term that most people are familiar with. Our real value is understanding the FICO scoring model which Frank started studying in 2002. A large part of our business is settling debts for less than what is owed. We have settled thousands of bad debt from most banks and collection agency's. There are 4 steps that I use to help improve credit reports. 1. "Stop the Bleeding" - We must first settle any past unresolved debts. There is 2 reasons for this. First, FICO does not like to see unresolved debts and therefore limits how high our scores can go. Second, most underwriters will not approve a mortgage loan with large past due debts regardless of what their scores are. 2. "Credit Repair" - This is where we do the house cleaning. Some accounts, but not all, will get either deleted or fixed. It's important to know that not all derogatory accounts will get deleted regardless of what you hear or read. 3. "Rebuilding" - There are various way s to rebuild a credit profile. Often time I will make this decision after step 2 is complete. 4. "No New Derogatory's" - This step was just recently added. In other words, as we are helping to improve your credit profile, you cannot add negatives during the process! This specifically means no new late payments which will hurt your score dramatically. SanDiegoCreditSolutions.com [email protected] 619.916.3999show more

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