DEHOFI Casino Night…!!
Qwest Enterprises, LLC 2015
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Wednesday, November 4, 2015
DEHOFI Casino Royale…A Night For Charity…!!
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Tuesday, October 27, 2015
Great Event…For a Great Cause…Come Support…!!
Qwest Enterprises, LLC 2015
DEHOFI Casino Night…!!
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Monday, October 19, 2015
Thursday, October 15, 2015
Monday, October 12, 2015
Monday, October 5, 2015
NCCBOR County Wide Open House Weekend 10/10-10/11
Come join the NCCBOR Affiliates for an Educational Event 10/10 from 9am-12pm @ the Sheraton South.
Experts in the Credit/FICO, Mortgage, Home Staging, Appraisal, Insurance, and Legal professions will be there with tone of great information for home buyers and home sellers.
We look forward to seeing everyone there.
Qwest Enterprises LLC, 2015
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Congratulations Kim Acevedo On Your Recent Home Purchase…!!
The Qwest Team is HAPPY to be a part of your success…!!
Qwest Credit Enhancement 2015
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Congratulations Kim Acevedo on Your Recent Home Purchase…!!
The Qwest Credit Team is HAPPY to be a part of your recent success…!!
Qwest Enterprises LLC 2015
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Monday, September 28, 2015
Credit 101 C.E. Module 7…
Thats right, our President and CEO, Curtis Henderson will be teaching his acclaimed “Credit 101″ C.E. class for R.E. Agents.
Contact your school provider in Delaware or PA and see if the course is being offered. If not, tell them to get it on the schedule.
Qwest Enterprises LLC 2015
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Thursday, August 27, 2015
NCCBOR PICNIC 2015…!!
Curtis Henderson
President/CEO
Qwest Credit Enhancement
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Thursday, July 30, 2015
Authorized User Accounts…
Wouldn’t it be nice if you could just add an account to a consumer’s credit report, and it automatically has a 2 year PERFECT pay history? Well you can, AND it is 100% legal.
Authorized user accounts are the only legal way to back-date credit reports and add past positive credit history. An authorize user is when a family member or firend calls their existing credit card company, and asks to have anyone added as a user. This allows the consumer to use the card, but they are not required to have their credit pulled to qualify for the account.
What happens is that once the consumer becomes an authorized user, the account is then added to their credit profile. The newly added authorized user, receives the full benefits of the long-standing positive pay history account.
This means their credit scores go up, just as if they had a 2 year perfectly paid account on their credit for years. And the impact to their scores is immediate and substantial.
And make sure you get added to a long-standing account, with positive credit history, and that the creditor reports authorized user accounts on the credit report.
Curtis P. Henderson
Qwest Credit Enhancement
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Wednesday, July 22, 2015
Goodwill Requests…Do They Work?
I get asked alot about goodwill requests. This is when a consumer may call a creditor and ask for a courtesy removal of a late reporting. For some reason, this tactic is commonly known to exist and thought to be very effective. I can tell you from professional experience, it is rarely effective.
Goodwill requests are more effective for mildly late accounts such as 30 days late, with a long account history that were isolated incidents. A creditor cannot, by law, report information that is inaccurate, therefore the goodwill request must not admit the late, and it must make the fault of the late payment unclear.
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Lou Centrella, Fairway Independent Mortgage
“I want to let you know that your presentation last week was fantastic. You had the full attention of the entire group. Your information was presented with enthusiasm and entertainment. I think the audience really benefited from your excellent presentation. The knowledge they gained from you will make them better realtors for the future.”
Lou C.
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Monday, July 13, 2015
Consumer Rights Under the FDCPA…
Here is a brief review of our rights under the FDCPA:
- It details a person’s right to request more information about the alleged debt. The procedure is called debt validation and it’s a powerful intervention that we will be explaining in greater detail. Until then, understand that debt validation allows every consumer the right to dispute the validity of the debt. The collection agency must respond with proof that the debt belongs to the person, otherwise they must stop collection efforts and REMOVE the account from all credit reporting agencies. Debt validation is an effective tool for removing collection accounts.
- Provides behavioral standards for acceptable third-party collections. The following are examples of violations:
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- The collection agency threatens to tell your client’s employer or neighbors about the debt, or actually does tell them about the debt.
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- The collection agency speaks about the debt to a party that is not responsible for the debt
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- Pre-Texting- The collection agency acts as another company in an effort to gain additional information. Here is an example: the collection agent claims to be from a raffle/prize company and notifies the debtor that they “Won” in order to extract information about their finances, employment or other items.
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- The collection agency calls at unreasonable hours. 9:00 p.m. – 8:00 a.m. is considered unreasonable under the federal law.
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- The collection agency threatens to take action against the person that it cannot legally take (for example, threatening to take money out of their Social Security check or threatening arrest or jail).
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- The debt collector communicates with the person in a manner to harass, intimidate, threaten, or embarrass the debtor.
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- The debt collector communicates with the person or spouse more than three times in a single week.
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- The debt collector communicates with the person through the use of notices that look like government documents, or emergency messages.
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- The debt collector is prohibited from soliciting a postdated check in order to threaten criminal prosecution. A postdated check may not be deposited by a collector before the date on the check. Additionally, a collector’s acceptance of a postdated check violates the law unless it gave the consumer who wrote the check 3 to 10 business days notice prior to depositing the check.
- Requires debt collectors to immediately identify themselves when communicating with the person whether it is on the telephone “Hi this is Joe from ABC collections” or in written form “This corresponded is an attempt to collect a debt.” This helps to prevent sneak attack behavior.
- Allows a person to request that the collection agencies stop contact with them. This is formally called “cease and desist.” However, this is not recommended because the collector will have no other choice but to take the person to court. So be careful before you send any letter with the words “cease and decease” on it, as you might get your client sued.
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Friday, July 10, 2015
Hector Torres
Qwest helped me to clean up your reports. Thanks to Curtis And Qwest I will apply for a home.
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Thursday, July 9, 2015
Kenan Keys
I worked with Qwest from Oct/Nov and I’m ready to apply for a home. Really good people to work with. I would recommend anyone to go if you need help with your credit.
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Wednesday, July 8, 2015
Mariah Katona
Qwest made it possible for one of our biggest dreams,to own a home, come true in a short amount of time! So thankful Priscilla Rosar recommende
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Tuesday, July 7, 2015
Does my FICO Score change every month?
According to FICO, 83% of the population experiences changes to their FICO®Credit Score by up to 20 points month to month…
Beyond that, our FICO score changing only every month is completely a myth. Reality is that our FICO Score can change several times per month and can even change from AM to PM. The FICO Score is going to change whenever the date on the credit report changes, and depending when that information is added, deleted or updated, the Score can change accordingly.
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Robert K.
I’ve worked with Qwest Credit Enhancement for years both as an originator and Branch Manager of a Mortgage Bank. Qwest will assess a clients current credit profile and be able to offer real world advice on how to increase credit scores and remove negative marks, and then they do it. Most other “credit repair” companies simply purchase a computer program that they re-sell to the client who then does all the work. Qwest offers hands on advice and work!
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Monday, July 6, 2015
Josh A.
I have nothing but good things to say about both Curtis and Qwest Credit. They have single handily changed the course of my business in allowing me to seek out the necessary funding that was needed to launch my business endeavors. With newly established credit, I was able to follow Curtis’ step-by-step plan to secure everything that I threw his way. He stopped at nothing and helped me with things that far exceeded what should have been reasonably expected from his services. He really went the extra mile for me and my company and it was graciously appreciated. I can wholeheartedly recommend Qwest Credit and Curtis to anyone who is in need of credit assistance of any kind. A+ service and a company that really cares.
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Payment History Accounts for 35%…
Consumer payment history is the largest aspect of the credit score, as you might expect. In total payment history accounts for 35% of the total score.
This aspect of the total score calculation is based on prior payment history with creditors. Late payments, defaulted accounts, bankruptcies, and all other negative information on the credit report have the greatest effect.
The scoring model is based on your potential to go 90 days late on an account within the next 2 years. Any recent late payments are a big reflection that the consumer will default, and their credit score plummets as a result.
Altogether, payment history accounts for 35% of the total consumer credit score. The more positive accounts clients have, make for a much higher credit score.
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Sunday, July 5, 2015
Celeste A.
As a Realtor I am always looking for good reputable credit repair companies to send my clients. Qwest is fantastic! Curtis and his team can help you repair your credit in no time! They charge a lot less than the big law firms and get fast results. I recommend them to all my clients who have credit issues keeping them from owning their own home.
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Jeff R.
A year ago my wife and I were looking to buy a house. I had made some mistakes in my twenties and my credit was flat out bad.
I now own a house. That’s because of Qwest. They were recommended by my mortgage broker. Here’s the deal:
Qwest isn’t cheap; It’s affordable. It doesn’t work miracles, it uses the credit system to your advantage. Mostly, a big part of what Qwest and Curtis do is educate their clients on how to avoid the mistakes in the future. And then he tries to help build it as quickly as he can.
If you can follow some simple steps like “take this to the post office and save the receipts” then Qwest can probably help. Reach out to them and Curtis will meet with you and tell you if and how he can help you.
I don’t want to put too much more in the review about my personal situation but I’m happy to answer any other questions about my experience if anyone is skeptical. Or, go to their website or give them a call and get it directly from them.
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Tuesday, May 19, 2015
Mariah Katona
Qwest Credit Enhancement’s latest post:
Qwest made it possible for one of our biggest dreams,to own a home, come true in a short amount of time! So thankful Priscilla Rosar recommended us!
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