Secrets to Achieving Great Credit by Frank Kriticos

Good Credit Won’t Always Equate to a Loan Approval

Discover why traditional credit repair companies are misleading you. Unlock the Truth about the “credit repair” industry.

San Diego Credit Solutions is Different

We go far beyond the standard “check, challenge and change” mantra

We Set Realistic Expectations

Unlike typical credit repair companies, Frank is going to tell you exactly what you need to do to obtain your desired results in the shortest amount of time possible. If you’re ready to take action, he’ll get you approved.

We Don’t Peddle Temporary Results

We don’t create quick fixes. We specialize in obtaining permanent results that you and your family can rely on. As Frank always says, “In this industry you either bat 0 or you bat 100%. We never bat 0”.

It’s More Than Raising a Credit Score

80% of our clients need mortgage loan approvals, so focusing on raising credit scores just isn’t enough. Our expertise of all the latest mortgage lending guidelines is paramount to your success in getting a loan.

Don’t Be Misled by Average “Credit Repair” Companies

They all tell you they can remove the following items from your credit report.

  • Collections
  • Late Payments
  • Charge Offs
  • Bankruptcies
  • Foreclosures
  • Reposessions
  • Liens
  • Judgements

They Don’t Tell You, If Left Unpaid, These Items Can Be Rereported

Discover how it works with San Diego Credit Solutions and why we’re different

Trusted by Agents of Highly Recognized Organizations

Our clients are referred by agents of some of the most trusted names in the mortgage and real estate industry.

"Having great credit is a necessity for running my business.
I thought I was well versed in my knowledge of credit but
after attending one of Franks’ conferences and reading his book
I realized I had a lot to learn."

− Stan Kern, Entreprene

"We’ve taken market share from other companies that cannot help
people with credit issues. Bottom line, I make more money because
of San Diego Credit Solutions."

− Sam Smargon, Superior Mortgage

"I’ve told all my loan officers and agents to call San Diego Credit Solutions when somebody
has a credit issue. They’re a great resource for our clients and our staff. We’re
closing more deals now because of San Diego Credit Solutions."

− Joe Gummerson, Ashlon Realty
April 20, 2016 in Credit Education

Attention Realtor & Mortgage Lenders

**Attention Real Estate Professionals** San Diego Credit Solutions helps Realtors & Mortgage Lenders to get their clients “Mortgage Approval Ready”. We are led by Consumer Credit Expert & FICO Pro Certified Frank Kriticos who has been studying FICO since 2002 & started San Diego Credit Solutions in 2007. This is how San Diego Credit Solutions can help Real Estate Professionals: We only take on clients if we know with 100% certainty that we can get them in a position for their lender to get a loan approval. We are the…

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April 3, 2016 in Uncategorized

Understanding Why You Need a High FICO Score

Understanding Why You Need a FICO Score While we are all aware of the importance of credit scores, few of us dive deeper into what that number really means. FICO is an acronym for the Fair Isaac Corporation who created this score using mathematical models that take into account ones; payment habits, types of credit used, level of indebtedness, length of credit history as well as new credit to determine their overall credit score. Anyone who wishes to find out your credit score can get it from credit bureaus, the…

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December 3, 2015 in Uncategorized

Credit Myth #4

Myth #4:  I can use my credit report from Credit Karma to get qualified for a home mortgage. Credit Karma credit reports are weighed differently compared to a credit report that a mortgage lender would use.  Mortgage lenders pull a credit report that uses FICO scores.  This is because FICO is the standard for most banking institutions.  FICO is a brand so the many different web sites are not able to use their scores.  A bit mis-leading huh?! Want to make it more interesting?  FICO has a different set of…

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November 25, 2015 in Uncategorized

Credit Myth #3

Myth #3: Paying off your credit cards in full will give you the best credit. This topic is a huge debate!  Some will say to keep a small balance (less than 10%), others will say to pay off your balance entirely.  You see, these are both correct.  Let me explain the difference. Keeping a small balance: It’s no secret that FICO hits us dramatically for maxing out our credit cards.  You will hear people say to keep your balance at 50% less than your limit, others will say 30%.  Ideally…

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November 18, 2015 in Uncategorized

Credit Myth #2

Myth #2:  Your credit score only counts when you’re applying for a loan. Our score is looked at for almost everything you do, such as: *Applying for a job *Applying for auto insurance *Homeowners insurance *Life insurance These reasons are why it’s important to have great credit and we can help! Contacting us is the first and most difficult step.  We know it takes courage. WE DON’T CARE ABOUT THE PAST, ONLY HOW TO TAKE YOU FROM WHERE YOU ARE CURRENTLY TO WHERE YOU WANT TO BE. Frank Kriticos, Radio…

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November 18, 2015 in Uncategorized

Credit Myth #1

Myth #1:  You share a credit score with your spouse. This is a myth!  Both spouses have separate profiles.  If you have joint accounts they will show up on both of your reports.  If you call your credit card provider and add a spouse as an authorized user then that will also show up on both your reports.  BUT, if you have no joint or authorized user accounts then there will be nothing that will affect your score from each other. I ALWAYS suggest keeping separate credit profiles.  The reason…

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October 29, 2015 in Uncategorized

3 Credit Tips San Diego Residents Don’t Know

3 Credit Tips San Diego Residents Don’t Know I regularly get asked for credit tips.  Here are a few that you probably didn’t know about. Business Credit Cards: It’s widely known that maxing out personal credit card(s) are very damaging to our credit score. The Scenario:  You’re applying for a mortgage and your scores are preventing you from qualifying.  You have 2 credit cards and they are maxed out.  You can either pay them off in full which is difficult OR you can transfer the debt to a BUSINESS credit…

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October 27, 2015 in Uncategorized

FICO vs. Credit Repair – There is a difference

Understanding FICO vs. Credit Repair Every credit repair company that I know of focuses on one thing.  Deletions.  This is where most company’s get in trouble and here is why. The expectation is that all negative accounts will get deleted which most likely will not happen.  You see, it’s false to give the expectation that every negative account will get removed.  Could you imagine if there was one company that had a 100% success rate all of the time?  Yikes, everybody would be walking around with a 750 score which…

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October 20, 2015 in Credit Education

What is Statue of Limitations (SOL) in connection with unsecured debt?

What is Statue of Limitations (SOL) in connection with unsecured debt? Many people get statute of limitation confused with the Fair Credit Reporting Act regarding the infamous “7 year” reporting time. Statute of limitations is a time period in which a creditor or collector can file a judgment against you.  In California the SOL is 4 years.  The time period starts on the accounts date of last activity.  So if 4 years passes then you will NOT have to worry about getting sued BUT this does NOT mean you don’t…

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October 20, 2015 in Credit Education

Preventing Medical Collections from appearing on your credit report….

How to prevent medical collections from reporting on your credit report. I see medical collections on credit reports almost daily.  There are only 2 ways to deal with these items. If you get a medical bill that you simply cannot pay then the worst thing you can do is absolutely nothing because it will certainly show up on your credit report. With this being said, I ALWAYS suggest calling the hospital/Dr. office and set up a payment arrangement.  Even if you only pay $25 per month what happens is the…

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September 28, 2015 in Credit Education

Your Debt Ratio – How to Ensure it’s Has a Positive Effect on Your Credit Score

Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, or your credit limit. The difference is your debt ratio. This can also be referred to as revolving (credit card) credit you have available. If your credit limit is 5,000 dollars and you have charged 2,500 on the card, your debt ratio is 50%. Debt ratio accounts for 30% of your FICO score, which makes it the second highest factor the credit agencies…

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September 27, 2015 in Credit Education

How a Bad Credit Score Costs You Real Money

While a credit score may seem like an arbitrary number, calculated by an invisible credit agency with no real bearing on your life, a bad credit score can cost your real money. To get an idea of just how much money you can lose due to bad credit, take a look at the following examples. Credit Cards If you have a low credit score, you will not be eligible for prime credit cards. These cards have the best interest rates, payment terms and credit limits, making it easier for you…

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