Mortgage ReFinance Management communicates that before one can understand how to increase credit scores, one must first understand and acknowledge why the credit scores are depressed.

Credit scores become depressed because of one of five reasons:

	Delinquency	-past due accounts measured in intervals of 30 days
	Frequency	-to many installment and/or revolving accounts
	Saturation	-revolving account balances>75% of high credit limit
	Insufficient Credit	-inadequate creditor tradelines
	Erroneous Data	-reporting errors or insufficient follow-up by existing or prior creditors

NOW, THE MAGIC ELIXIR : Listed forth are the remedies for the above reasons:

	Delinquency	-past due accounts must be made UN delinquent!
	Frequency	-must be made LESS frequent or fewer accounts!
	Saturation	-must be made LESS saturated or <75% of high credit limit!
	Insufficient Credit	-build credit through use of secured VISA/Mastercards!
	Erroneous Data	-correct error and have Equifax, TU, and Experian acknowledge!

Mortgage ReFinance Management communicates to all potential and existing clientele’, that to increase one's credit scores one must correct the reasons the credit score is down in the first place. With the exception of credit reporting errors, the answer to the question, How Does One Increase a Credit Score? is….Money and Time (the mortgage word for time is seasoning). 

Then, the logical follow-up question is where should the money come from??  The only possible answers are the mortgage market or personal resources.  This of course, reduces the calculus to a time/value analysis.

Mortgage ReFinance Management will provide each client with all proper analysis, findings and recommendations to allow each client to make the proper decision.