Luisa Deason - Crazy Sh*t In Real Estate with Leigh Brown - Episode #180

Do you – or your clients – need credit restoration? Luisa Deason,
the owner and operator of Deason Consulting Services, helps
people restore their credit so they can move forward, especially
when it comes to buying a home. Luisa’s team of lawyers work hard
to leverage the Fair Credit Reporting Act on behalf of their
clients to eliminate wrong or negative reports – and they do it
affordably. Listen in to find out how and learn her top tips for
building and maintaining good credit starting today.


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Time Stamped Show Notes:


01:00 – Introducing Luisa from Houston, TX

01:20 – She’s a sponsor on the Real Estate Radio Rat-Pack
show in Houston; Leigh was a guest on their show

01:35 – She owns and operates Deason Consulting Services, a
company that specializes in credit restoration

01:45 – They help real estate agents and loan officer clients
help their clients repair their credit and get into the home they
want

04:00 – The backstory behind bad credit

04:15 – Oftentimes a life-changing event damages your credit,
whether it be divorce, a medical issue, or job loss

04:25 – Luisa first assesses why a client’s credit is bad and
what their scores are through Experian, Equifax, and TransUnion

05:00 – The credit report companies work independently from
one another

05:45 – Sometimes, people from other countries don’t
understand how credit works

06:15 – How to build credit from the beginning

06:30 – Get at least two small credit cards; you need
revolving debt from Visa or Mastercard

07:33 – Luisa’s company offers a card to help people build
their credit

08:30 – The things that improve and damage your score

08:36 – It’s imperative that you pay your bills on time

08:55 – They look at risk factors and if a person has 30% of
their credit used

10:11 – Don’t carry a high debt to income ratio, especially
if you’re trying to buy a house

11:40 – Interest rates will drown you if you can only pay
minimum amounts

12:05 – How to get good credit with Deason Consulting
Services

12:15 - Loan officers look at a 12-month history of positive
payments

12:20 – Luisa’s company has a program called “Credit my Rent”
that boosts your credit score

12:45 – They do credit restoration which is a legal fight
using the leverage of the Fair Credit Reporting Act of 1971 to
fight bureaus that are wrong or negative

13:10 – Their lawyers are out of a non-profit organization;
It’s $188 for the first month and $89/month thereafter with no
contract

14:00 – Their attorneys are licensed to work in all 50 states

14:40 – How to contact Luisa: by phone at (832)244-2488 or on
her website at deasonconsultingservices.com



3 Key Points
It’s good to have a trustworthy credit restoration company in
your corner. Pay your bills on time! You – and your clients – can
have good credit!