Jeff Davis
Mortgage & Real Estate Broker

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I'm sure you have a lot of questions about credit repair. I'd like to take this chance to answer at least some of them for you. Below is a quick summary of a few of most commonly asked questions. For more information, please feel free to call me at 310.704.4901.

Why is credit repair important?
Credit affects every area of life. When your credit is bad, you will face challenges in the areas of loan applications, interest rates, insurance premiums, employment opportunities and more. 

What is the Fair Credit Reporting Act and why was it created?
The Fair Credit Reporting Act (FCRA) provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in the credit repair process, verifying that the information in your report is correct. 

How long do negative items stay on your credit report?
It's a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no mimium timeframe, through there is a maximum: 7 years for most items and 10 years for bankruptcies. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well. 

How long before I see results?
The honest answer is that it depends -- on your goals, your situation and how much work you need done. That's actually one of the best parts of my back office at -- we look at you as an individual and build a personal Game Plan accordingly.

How much does credit repair cost?
Make no mistake -- bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. At our cost is a one-time setup fee of $99.00 plus $89.00 per month, totaling $188.00 at your enrollment. We'll also pull a credit report for free of charge to get you started. 

Enroll today at

I would like to answer all your questions. You can reach me anytime between the hours of 8:30am and 8:30pm at 310-704-4901. I look forward to speaking with you. 


Jeff Davis "The Mortgage Man"
JDI Home Loans




Personal NMLS# 354387 | Company NMLS# 956577


468 N. Camden Dr. Suite 200
Beverly Hills, CA 90210

DRE# 01012272

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