Helping You Close More High-Value Loans
We resolve complex credit issues for your $500k+ borrowers—permanently, with our unique 100% lifetime money-back guarantee.
Built Around the Mortgage Professional
FixMyReport exists for one purpose:
To help Top Mortgage Professionals close more high-value loans by resolving the complex credit issues their affluent clients can’t afford to get wrong.
For nearly 30 years, we’ve been the quiet partner behind the scenes—working with loan officers, branch managers, and mortgage teams who live in the
world of $500,000+ loans, demanding clients, and unforgiving timelines.
We are a high-touch, white-glove, done-for-you concierge service that specializes in solving the kind of credit problems that stop otherwise solid, high-net-worth borrowers from getting approved.
...And every engagement is backed by a 100% lifetime money-back guarantee. Items deleted will never return
Our Process
File Triage: "Is This a Loan We can Save?"
File Triage: "Is This a Loan We can Save?"
File Triage: "Is This a Loan We can Save?"
We don’t traffic in hope, wishes, or prayers that these problems will magically disappear.
- Full tri-merge credit report (all three bureaus)
- Target mid-score needed to get this loan done
- Desired timeline to close (ideal vs drop-dead date)
- Any backstory: divorce, business loss, medical issue, late payments, disputes, etc.
- The timeline is tight but realistic.
- There is a meaningful, legal path to improve the file.
If the answer is no → you say no.
If the answer is yes → you move to forensics.
Deep Credit Forensics: "What’s Really Wrong Here?”
File Triage: "Is This a Loan We can Save?"
File Triage: "Is This a Loan We can Save?"
To us, a credit score isn’t a mystery, it’s a math problem. We dissect it and break the report down into:
- Late payments (30, 60, 90, 120+ days, recency, pattern)
- Charge-offs and collections
Repossessions, foreclosures, short sales - Judgments, liens, bankruptcies (where applicable, and how they’re reporting)
- Utilization on each revolving trade line (individual and aggregate)
- Authorized user accounts (helping or hurting?)
- Age and depth of credit history
We look at What’s actually dragging the scores, and What could move the needle fastest given the target.
Outcome of this step is: To create clear internal map of what's worth fixing, negotiating, or leaving alone.
Strategy Design: "What Has To Happen for Approval?
File Triage: "Is This a Loan We can Save?"
Strategy Design: "What Has To Happen for Approval?
Step one is reverse-engineering the underwriter’s world: figuring out exactly what this credit profile must look like to get approved. From there we design a custom plan built around:
- Target mid-score (e.g., from 645 → 680+ or 702 → 740+)
- Time frame (e.g., 7, 14, 21, 30, 60 days)
- Priority items to delete, modify or resolve. Is rescoring required?
- Structural tweaks (utilization, new trade lines, AU strategies, etc.)
Our plan typically blends:
- Source-level correction/resolution
– Working directly with creditors / collectors to delete or modify the underlying data. - Strategic credit-building
– Optimizing balances and accounts to squeeze the maximum scoring benefit out of the existing profile.
Direct Creditor Work: “Fix the Data at the Source”
Direct Creditor Work: “Fix the Data at the Source”
Strategy Design: "What Has To Happen for Approval?
FixMyReport’s advantage isn’t theory—it’s decades of real-world intelligence on how creditors think and respond. Paired with our proprietary database of what works and what doesn’t, that knowledge turns complex credit problems into measurable, repeatable wins.
You use that to:
- Contact the right departments and people (not just generic customer service)
- Request proper documentation (statements, zero balances, letters of correction, settlement confirmations, etc.)
- Negotiate:
- Corrections to misreported data
- Deletions where appropriate
- Updates after settlements or corrections
- Changes to how something is coded or aged when it’s reporting inaccurately
The point is to clean up the data - where it’s born - at the creditor/collector level.
Why that matters:
- When the source data changes, the bureaus update.
- When the bureaus update, scores move.
When scores increase, people get paid.
Structural Optimization: "Strengthening the Report"
Direct Creditor Work: “Fix the Data at the Source”
Structural Optimization: "Strengthening the Report"
While the negative items are being addressed, we’re also upgrading the overall architecture of the credit profile to make it cleaner, stronger, and more score-efficient.
That may include:
- Guiding the client to reduce or rebalance revolving utilization in the most score-efficient way (which cards, how much, and when).
- Advising on which accounts NOT to close, even if they think they should.
- Strategically using authorized user accounts when suitable and appropriate.
- Helping them add new, high-quality trade lines only when it makes sense.
- Avoiding moves that hurt (like paying certain old collections in the wrong order at the wrong time).
This is where 30+ years of deep credit scoring knowledge comes into play:
You’re turning the profile into something an underwriting system likes to see, not just something with “fewer negatives.”
Deliverable to the Loan Officer: “The Scores have Blasted Off"
Direct Creditor Work: “Fix the Data at the Source”
Structural Optimization: "Strengthening the Report"
Once the heavy lifting is complete, we don’t stop at, “Good news, your scores increased.”
You provide:
- Updated tri-merge / credit reports
- Clear explanation of:
- Which key derogatories were resolved
- What utilization / profile changes were made
- Where the mid-score now sits relative to the target threshold
The loan officer can now:
- Re-run DU/LP or manual underwriting
- Re-structure the deal if necessary
- Show the client how much interest he will no longer have to pay over the life of his loan.
- Move the file back into “approvable” territory and ready for lift off!
You’ve done your job:
The credit profile is no longer the bottleneck.