Agent Jirius: Bellevue Short Sale: How To Preserve Your Credit During A Bellevue Short Sale

Bellevue Short Sale: How To Preserve Your Credit During A Bellevue Short Sale

Bellevue Short Sale: How To Preserve Your Credit During A Bellevue Short Sale?

Bellevue WA – If the right decision for you and your family is to sell the house as a short sale, then the sale will have an immediate effect on your credit score.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

You might feel like it’s just overwhelming and demoralizing to see your credit score take any more hits!

But, here’s the silver lining: according to most experts, 78% of Americans have ERRORS on their credit score. Why is that a silver lining?

If you have negative errors on your report that get fixed, that will be a benefit to your score.

Average people can, on their own, take steps to repair and restore their credit report/ credit score after a short sale.

Here is how to avoid any double whammies during and after your short sale.

Follow these simple steps.

1. Review your credit report. I recommend the site:

Do not go to any of those “free credit report” sites. After you get the report, review everything on it.

If you see anything that is negative, inaccurate, or questionable make a note of it. On your list, write down why you disagree with that item on your report.

2. Write letters to the different credit bureaus about what you are disputing on your report. There are several sample letters available online.

Here is a simple tip: DO NOT use the online dispute forms that are on the websites of the 3 credit reporting agencies. Write your own letter and make it short, firm, and demanding of action.

3. Mail your letters to the credit bureaus through either registered or certified mail. This is what sets the clock for them to correct issues.

The law lays out a timeline that they have to follow (45 days.) And, this gives you a record of the mailing, too.

4. Keep a file of all that you have done, including dates. Then, track your results, also.

5. When you’ve gotten back responses (or if 45 days pass and you haven’t gotten responses), then it’s time to repeat some of the process again for some item or another on your report.

If you are diligent and proactive, you might just surprise yourself by the benefits you can see in on your credit report – even after your short sale!

Bellevue Short Sale: How To Preserve Your Credit During A Bellevue Short Sale?

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 206-841-9976.

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Bellevue Short Sale: How To Preserve Your Credit During A Bellevue Short Sale?

Thinking about a loan modification? Our Bellevue loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this,

Jirius Isaac.

Jirius is a Real Estate Broker( no agents) at C21 Real Estate Center. Bellevue Short Sales Realtor:

Phone: 206-841-9976.

View My homes for sale at:

Jirius Isaac specializes in loan modification assistance and short sales in Bellevue Washington. Bellevue Loan Modification Help, Bellevue Short Sales. Bellevue Short Sale Realtor Bellevue WA Short Sales. Bellevue Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Bellevue Short Sale: How To Preserve Your Credit During A Bellevue Short Sale?

Important Notice

Jirius Isaac, C21 Real Estate Center, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Isaac's personal views and do not reflect the views of C21 Real Estate Center.

This information on How To Preserve Your Credit During A Bellevue Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Isaac Real Estate Team

Champions Real Estate Services

TriStar Finance  #MLO-107799

Office: 425-483-6849 Cell: 206-841-9976

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Comment balloon 6 commentsJirius Isaac • March 24 2011 07:10PM


Jirius, I just hate that so many people are having to resort to short sales. Thanks for the reminder to check my credit reports. So far we've been really lucky to have no issues. Have a great holiday weekend.

Posted by Connie Harvey, Realtor - Nashville TN Real Estate (Pilkerton Realtors) over 8 years ago

Connie, You are welcome.  I also work with a company that can restore any ones credit, even when all the negative items on their report are actually theirs.  Let me know if you ever need that.

Posted by Jirius Isaac, Real Estate & loans in Kenmore, WA (Isaac Real Estate &TriStar Mortgage) over 8 years ago

When I was unemployed from November 2010 to April 2011, I was pretty sure that I was going to lose my condo to a short sale or foreclosure. Fortunately I had a savings account that could cover my expenses for six months, but it came close. I'm increasing my savings account to nine months and eventually twelve months. I don't want to ever go through that again.

Posted by EC, JF, Double R and Zoey the Cool Cat (Russel Ray Photos) over 8 years ago

Going through a short sale or foreclosure is devastating, and good information to check your credit report!

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) over 8 years ago

Smart and savvy suggestions.  Thanks, and I plan to pass this along to one of my clients who discovered a few "surprises" on his most recent credit report.

Posted by Norma Toering Broker for Palos Verdes and Beach Cities, Palos Verdes Luxury Homes in L.A. (Charlemagne International Properties) over 8 years ago

Happy Tuesday!

Posted by Not a real person over 8 years ago