Vivix Credit Solutions Lender Verification

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Posted by Vivix Credit Solutions | Categories: Credit Repair, Credit Report, Credit Score, Fair Credit Reporting Act, Vivix Credit Solutions | Tags: FCRA, free consultation, FTC

Vivix Credit Solutions

Why is a 4506 Required for Income Verification for Lenders?

Buying a home is an exciting time in life, as becoming a homeowner is often the number one goal for working Americans. Vivix Credit Solutions offers a wide variety of credit services for those readying to enter the

mortgage process, and a consultation to get familiar with this process is recommended. The documentation required can be overwhelming to some, but Vivix Credit Solutions will educate and guide you so that you feel in control of the situation at all times. Having a professional on your side is often all that is needed to make thingsgo smoothly and avoid any high anxiety or stress.

IRS Form 4506

To verify your income information prior to entering into a home loan, a lender may have you sign IRS Form 4506, which is a “Request for Copy or Transcript of Tax Form.” Vivix Credit Solutions knows that some lenders may simply ask for your tax returns, but submission of the IRS form insures that the records receives were not altered in any shape or form. Due to the housing market collapse in part caused by poor lending practices, those offering home loans want to verify that mortgages are not given fraudulently. If you have any questions about getting approved for a home loan or preparing for the financial and credit hurdles you may face, you should contact Vivix Credit Solutions for a no-obligation consultation. They are more than willing to help.

Applying for a Home Loan

Vivix Credit Solutions recognizes that applying for a mortgage can be a stressful experience, especially if you have not gone through the process before. What should be a happy time might quickly turn into a headache and drain on your energy. The bank will require you to submit many sets of documentation to show that you are creditworthy and not a huge risk to them. If your credit score is not where the lender would like it to be, they may refer you to credit counseling or a short term credit repair program before they will finalize the application. Vivix Credit Solutions can assist you along the way and offers many services that will help you establish a positive payment history and increased response on your FICO credit score. Call for a free no-obligation consultation.

Credit and Financial Services

Apart from credit advising and financial counseling, Vivix Credit Solutions offers a full range of services that will help the credit challenged prepare before applying for a mortgage. Having all your finances in order before speaking with the lender may speed up the process of being approved and will certain make any hoops with the bank easier to jump through. Vivix Credit Solutions can help you add alternative credit data to your credit reports through a network of service providers who will work with Equifax, Experian, and TransUnion to see it happen. They may also be able to help you remove negative reporting items from your record, which will make a huge impact on your credit score and therefore you perceived creditworthiness as viewed by the bank.

Call Now to Speak to one of our Credit Experts 702-434-4414

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