One Time Purchase - $19.95 (individual report, one person, three bureaus)
	One Time Purchase - $14.95 (individual report, one person, one bureau)
	One Time Purchase - $29.95 (joint report, for husband & wife, three bureaus)
	One Time Purchase - $24.95 (joint report, for husband & wife, one bureau)

View Credit Report Sample

All prices include the actual cost of the credit report and processing fee payable to Great Northern Mortgage, Corp.

• Credit Analyzer (Score Wizard) - $79.95 per bureau, per individual
• What If Simulator - $89.95 per bureau, per individual
• Rapid Re-Score - $30 per creditor, per bureau, per borrower ($90 minimum if you dispute only one account), plus $150 processing fees payable to Great Northern Mortgage

Credit Analyzer (ScoreWizard) is a tool that tells a consumer how to improve his or her credit score based on the amount of cash you have available to pay off your debt. Credit Analyzer makes it easier for you to reach your target credit score, which can make all the difference for a consumer in the current mortgage market. Raising a score by as little as 10 or 20 points may be all that is needed for approval. With Credit Analyzer, you can quickly and easily generate a detailed analysis of your credit score, including suggestions on how it can be improved. 

Steps:

1. You must have a credit report, which is less than 30 days old, and requested through our website.
2. Pick the bureau you want to use (the one you would like the FICO score to be increased) and indicate how much “disposable cash” you have available (money you have to pay some debts). You can indicate up to two amounts.
   
3. Buy Credit Analyzer services on our website for the bureau you selected.
   
4. We will email you the outline of what you should do, and by how many points the score will increase.
   
5. Read carefully and do what it says and do not try to second guess the Credit Analyzer’s suggestions. You should get the accurate results when your creditor updates its records. You can buy Rapid Re-Score services if you would like Great Northern Mortgage to update your records with the bureaus within 3-5 business days.
   
6. If you need to analyze another bureau, please buy Credit Analyzer services for the second or third bureau and repeat the process.

View Credit Analyzer Sample

What If Simulator - If you see accounts, late dates, or other info that should not be on your report, then we also have the What-if Simulator to help you see how many points those types of things are worth. What If Simulator allows you to “experiment” by making changes on the credit report and seeing if the score will go up or down.

Steps:

1. You must have a credit report, which is less than 30 days old, and requested through our website.
   
2. Pick the bureau you want to use (the bureau that is specifically reporting a tradeline you want to “experiment” with).
   
3. Indicate what changes you would like make. For example, remove a late date and make it “paid as agreed”; increase or decrease your credit limit or balance; delete a collection account on your credit report, and etc.
   
4. Buy What If Simulator services on our website for the bureau you selected.
   
5. We will email you the What If Simulator report showing by how many points the score will change.
   
6. If you will be able to prove to the bureau(s) that your creditor(s) made a mistake, you should expect your FICO score to be changed as it is indicated by What If Simulator. You can buy Rapid Re-Score services if you would like Great Northern Mortgage to update your records with the bureaus within 3-5 business days.  

View What If Simulator Sample

Rapid Re-Score - If you buy a Rapid Re-Score Service, Great Northern Mortgage will update your records with the bureaus within 3-5 business days. 

1. You must have a credit report requested through our website.
2. Have to have a letter or a statement from a creditor with the name and account number stating that the creditor removes a late from the account, or changes the balance amount, or it is not a consumer’s account. The creditor may acknowledge any other reasons that consumer is disputing. 
   
3. Complete, sign and fax to 718-897-1977 Consumer Authorization Letter to Release Information. Always call our office 718-897-7900 to make sure that we receive your Authorization.
   
4. Once we receive the updated credit report, we will email you the report.  
   

Identity Verification

We protect your privacy by ensuring that your credit report can only be viewed by YOU.
To prevent unauthorized access to your credit report, please verify your identity by answering the security questions based on information that only you would know. Your answers will be verified against your credit report with regard to such things as your current or previous address, loan information (bank and/or approximate monthly payment) and last four numbers on your credit cards.

Here's how it works:

• We confirm your identity through a series of questions based on the information in your personal credit report
• Your answers are compared to the information in your personal credit report
• You will be emailed your Personal Credit Report when enough correct          information has been confirmed
• Alternatively, you are always welcome to come to our office with your picture ID and we will process your credit report request with five minutes