What is B(ad) Credit

Get a new home loan, or refi your mortgage, even with bad credit in Denver CO.

Sometimes, bad things happen and money runs out.  Unexpected medical bills, a history of failing to pay bills on time, or an accumulation of outstanding money owed can lead to you having a bad credit score and inhibit your ability to secure loans.

Bad credit is often measured by a low FICO credit score, which is a three-digit number ranging from 300 to 850 that is determined using your credit reports. The FICO score, in essence, summarizes your credit report, so lenders can assess how much credit you have, how long you’ve had it, and how well you pay off your debt.  This information helps lenders determine if and how much they are willing to lend, the repayment period, and how much it’ll cost you in terms of the interest rate.

Is your credit score below 630?

This score may lead to you being considered risky to lend to and result in higher interest rates, shorter repayment periods, or in some cases a rejection of a loan that can severely impact your life. Trying to get a loan from a lender that will only work with excellent credit clients can leave you without an answer, frustrated with the process, or flat out rejected. 

At BCreditKings, we know that unfortunate events, unforeseen circumstances, conditions out of your control, or even responsible individuals can end up with a bad credit score and we’re here to help you. We are experts in credit repair and helping you consolidate your outstanding loans, so that we can simplify all your payments into one loan, often with a lower overall interest rate so you’ll save money. A single payment also makes it easier to pay on time, pay down your debt, and that helps improve your credit score. We’ll work with you to put together a realistic and effective plan to manage finances and your expenses; one of the many ways we help you repair your credit and avoid bankruptcy.

We can help you get a new home loan, or refi your mortgage, even with bad credit in Denver CO.

If you need a mortgage, a loan refinance, or a loan for a different reason, BCreditKings has an array of options like No-Income/No-Asset (NINA), B-Paper, Subprime, or Alt-A loans to support you. A No-Income/No-Asset loan can be secured without needing to show proof of income, pay stubs, tax documents, or bank statements, allowing you more flexibility. As you build your credit back up, we’ll then help you shift to a new loan more appropriate for you and your needs. Why do we do this?  Because at BCreditKings, we’re truly invested in helping you