Southern California Real Estate & Mortgage Specialist


With over 17 years of experience, I have dedicated myself to guiding homeowners, buyers, and investors towards making informed decisions. The ever-changing landscape of home prices, interest rates, and market trends requires a keen understanding to navigate effectively. By staying attuned to these dynamics, I can empower you with the necessary information and valuable insights.

Drawing on my extensive knowledge of local markets, I am well-equipped to offer a comprehensive suite of services. This includes general advice, precise valuations, mortgage lending options, and strategic marketing solutions. My expertise ensures that you receive tailored guidance that aligns with your specific needs and objectives.

Whether your goals involve selling, buying, or investing, I am here to provide the assistance you need. My commitment is to support you through every step of the process, ensuring that you achieve your real estate aspirations with confidence.

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Revitalize Your Financial Future: A Comprehensive Guide to Credit Restoration

June 24, 20241 min read

Mastering Credit Restoration: A Comprehensive Guide

Maintaining a healthy credit score is crucial for financial well-being. When life affects your score, credit restoration steps in. Discover what it involves, why it matters, and how to proceed effectively.

What is Credit Restoration?

Credit restoration, or credit repair, focuses on improving your credit score by addressing issues on your credit report, such as disputing inaccuracies and building positive credit history.

Why is Credit Restoration Important?

  • Enhanced Loan Approval: Higher scores increase approval odds for loans and credit cards.

  • Lower Interest Rates: Good credit qualifies you for lower interest rates, saving money.

  • Reduced Insurance Costs: Higher scores can lower insurance premiums.

Steps to Restore Your Credit

  1. Review Your Credit Report: Obtain free copies from major bureaus, check for errors.

  2. Dispute Inaccuracies: Use online processes to dispute errors like incorrect information or late payments.

  3. Pay Down Debt: Focus on high-interest accounts to improve your score.

  4. Negotiate with Creditors: Arrange payment plans or settlements for overdue accounts.

  5. Set Up Payment Reminders: Ensure timely payments with reminders or auto-pay.

  6. Become an Authorized User: Boost your score by joining an account with good payment history.

  7. Limit New Credit Applications: Avoid new applications to prevent temporary score decreases.

  8. Monitor Progress: Use free services to monitor credit reports and scores regularly.

Common Credit Restoration Myths

  • Closing Old Accounts Helps: Closing accounts can hurt your score by reducing available credit.

  • Paid Debts Disappear: Paid debts may remain on your report but are marked as settled.

  • Professional Help is Essential: You can restore your credit independently with persistence.


Restoring credit takes time and effort. Follow these steps to improve your credit score and achieve a healthier financial future. Contact us to expedite your home-buying process today!

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Troy Mire

Troy P. Mire is a distinguished Real Estate Broker (DRE: 01199870) and Mortgage Broker (NMLS: 1795353) known for his expertise in the real estate industry. With a focus on providing comprehensive services, Troy specializes in FHA, Conventional, VA, USDA, and DCSR loans. Operating in various Southern California counties, including LA, Orange, Riverside, San Diego, San Fernando, and San Bernardino, Troy's commitment to personalized and professional real estate services has earned him a notable reputation in the field. For inquiries or assistance, Troy can be reached at [email protected] or 562-244-7963.

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Troy Mire is a real estate broker licensed by the State of California. License Numbers 01199870, Also a Mortgage Loan Officer NMLS: 1795353. NMLS consumer access: . All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions..