Foreclosures are fairly easy to remove. Awhile back I underwent a certification for credit repair from a lady who has been working with celebs and sports figures for 18 years repairing and optimizing their credit. The stuff I learned about the credit industry, personal credit, and business credit was mind boggling. I was able to get my scores over 800 in a short period of time.
It is amazing that something so important as personal credit and how the system rewards and punishes a person is so misunderstood by the general public or not even understood at all. Hell, I would have rather taken this course in High School versus American History. John Adams can’t do a damn thing to help me now……
By the way, next time we cycle up in the market and the easy credit comes back..I will do loans for you guys on properties you can strip and default on because RE never goes down and everyone wants to live in San Diego…….you won’t even need a job to qualify….