Let's see where you stand...

Credit Massage Simulator

a few simple changes can raise your credit!

Could you get a higher score just by massaging it a little? Don't guess what you need to do. Simulate the future instead.

Credit Massage Simulator - puts the control in your hands. You can get a score forecast that simulates the impact of complex changes or pending activities that affect your credit score. Safely test changes before taking action - or mitigate upcoming issues - so you can make informed decisions, be proactive, and find just the right actions to take.

See the future

We can test multiple actions to predict the

impact and build just the right plan for you.

Get a better Interest Rate

Higher credit scores give us more options and lead to better loan terms.

Love your lower payment

You'll be thrilled with your lower payment and have more money for other things.

Actions that can be simulated

  • Pay down balances

  • Delete a public record

  • Delete a credit or collection account

  • Change the status on a public record

  • Open a new credit account

  • Delete an inquiry

  • Pay off delinquent balances

  • Modify the credit limit/high credit

  • Correct late payment status

  • Add an authorized user account

  • Remove an account dispute

  • Terminate an authorized user account

  • Increase a balance

  • Close an existing account

  • See the impact of the passage of time

OWN your own credit report, get ALL three credit reports &

the ability to see how some simple changes can raise your score for only a one-time fee

Corporate Address:

3100 W Ray Road #201 Office #209

Chandler, AZ 85226

NEXA Mortgage LLC

Company State License#


Contact Us

Michael McCallum

Mortgage Loan Officer

NMLS # 1062098

Located In: AZ






This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Michael Services all of AZ

An Equal Housing Lender All Rights Reserved. © 2024