Bad Credit No Shame

Written by Zachery Adam

October 15, 2020

Bad Credit No Shame

Bad Credit? No Shame.

2020 has been a tough year. COVID-19 has impacted everything from our healthcare system to our economy. It’s not surprising that due to high unemployment, many people are struggling right now to get debt under control. We see it all the time. People don’t think they can ever get into their own homes because of the debt they have. But we also see that it’s possible to make huge improvements with the right help. With that in mind, we want to provide a few tips to help you get started and on the path to a better financial picture.

Get Your Credit Score and Reports

The best way to know what you’re working with is to truly know where you’re starting. Your bank can help you with your credit score and you can request credit reports from all three major credit reporting organizations. Once you have those, you can see what’s on your record and determine how to start. During these times of COVID-19, accessing your credit is important. That’s why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021 –

Work with a Local Credit Repair agency

Even with this information, it can be a daunting task. There’s a lot at stake in terms of your financial future. That’s why we always recommend the use of a credit repair specialist. We specifically refer potential clients to Dale Marco at Best Credit Rx, which was founded in 2004 and is dedicated to helping individuals repair their credit.

Fix Errors on Your Report

Sometimes the information on your credit report isn’t consistent with the information you have about your credit. Mistakes can happen, but it’s also imperative that you fix those mistakes as soon as you find them. If you contact the credit bureau, they’ll open an investigation into the information and can fix it for you.

Maintain a Good Credit History

To repair your credit or maintain a good credit score, there are a few steps you should take:

  1.       Always pay bills on time.
  2.       Keep credit card balances low.
  3.       Don’t close out old credit cards.
  4.       Limit applications for new credit.
  5.       Regularly check your credit report.

Applying for a Mortgage

Applying for a mortgage will require us to pull a credit report. You’ve probably heard that your credit score will go down if you have too many reports pulled. While that can be true, know that the credit bureaus will take into account multiple inquiries for the same kind of transaction, such as shopping around for a mortgage, and not penalize you.

More than anything, we want you to know that there is no shame in seeking help when you need to repair your credit. Especially today as our economy is continuing to be affected by the pandemic, more people will find themselves concerned about their financial help. Don’t wait.

Do you want to know about the process to apply for a mortgage?  GoPrime Mortgage in West Asheville is here to help. Call us today –Zachery Adam at GoPrime Mortgage in West Asheville.

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About Us

How we can help you

Although labeled an independent mortgage lender, GoPrime Mortgage, Inc. is not a one-man operation. Zachery Adam and his Team has the support of a streamlined operation, with professionals who assist in every phase of the loan process. His team includes an appraisal vendor, loan processors, underwriters, closers and even the CEO or president if needed. When you choose to work with Zachery, you get the support of his team as well.

Zachery Adam

It’s important to Zack that he and his team are approachable and can provide assistance to home buyers who are often inundated with misinformation about the financial picture and mortgage options. In an automated culture reliant on digital communication, it’s time to put the human element back into these conversations. He could never be behind the scenes.

When you apply securely online with GoPrime Mortgage, Inc., we will contact you within 24 hours or less.

We want to be more than your mortgage lender.

The company, like Branch Manager Zachery Adam, wants to become the go-to destination for people who have questions about real estate financing and the mortgage application process. Applying for a mortgage can be a frightening process at a bank. GoPrime Mortage, Inc. aims to keep the process simple.

Our mission is to:

  • Provide holistic mortgage planning for every customer
  • Offer simple, strategic solutions for all homebuyers
  • Supply reliable services for real estate investors
  • Educate the public on the mortgage process
  • Keep the mortgage process simple for all customers
  • Inform real estate agents of the latest mortgage news

In short, GoPrime Mortgage, Inc. will provide complete, inclusive mortgage solutions that are educational, transparent, honest and sincere. No other bank or independent mortgage lender can beat the service and prices — the complete package — that GoPrime Mortgage, Inc. offers.


Let's Get Started

Contact Info

862 Haywood Road Asheville, NC 28806


Enjoy a mortgage process built for the modern world.

Borrowers can easily complete a loan application, upload supporting documentation, eSign disclosures, and monitor the status of their loan — in a single, easy-to-use location.

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