How to Increase Your Credit Score & Get Loans

If you don’t think credit is important to successful real estate investing, thank again! Over 90% of all real estate lending decisions are based upon your personal credit profile. So having a “fundable” credit profile (personal and business), is crucial to obtaining loans and receiving the best terms and conditions from lenders. After all, lenders analyze your credit score and profile when considering giving you a loan. The better your credit, the lower your interest rate. Right? In many ways, credit is the bedrock of your investing success.

So if you want the best loan terms (i.e. interest rate), you need not just a good credit score, but a balanced credit profile. In fact, obtaining (and maintaining) a high credit score is one of the most requested subjects from our LAC-REIA members. In response, we went on an exhaustive nationwide search to find a “real” authority on credit. Not a credit repair person per se, but an actual credit authority who works behind the scenes and in the trenches with FICO and lenders. And after a 12-month exhaustive search we found him! (In Las Vegas, of course!)
His name is Merrill Chandler and he is the founder of “Credit Sense” (which, when you think about it, is the perfect name). It’s taken us three years to get Merrill to come to Los Angeles, so we’re very VERY excited to announce that Merrill will be our special Guest Speaker on Thursday night, July 9, 2026. This has been a long time coming!

For over 25 years, Merrill Chandler, a co-founder of Lexington Law Firm, has been involved in credit repair, credit scoring, and lender underwriting requirements. During that time, Merrill developed a process to optimize personal and business credit profiles to improve a borrower’s “Fundability” (i.e. getting your loan applications approved). Based upon this concept, he founded Credit Sense to deliver his revolutionary technology to real estate investors seeking funding for your deals.
Based upon those FICO meetings, Merrill’s presentation will radically transform what you think about lenders and your ability to get funding for your real estate deals. The title of Merrill’s presentation is “How to Increase and Utilize Your Credit Profile for Fundability.” During his presentation, Merrill will discuss:

1. What is “Fundability”
2. How does FICO’s credit scoring system really work
3. How can investors optimize their credit score
4. How to take advantage of automated bank underwriting systems
5. How to utilize the “Velocity of Money”
6. Avoiding the 3 common mistakes real estate investors make
7. What is the funding “Golden Goose”
8. How to obtain unsecured lines of credit without collateral.

DATE & TIME: Thursday night, July 9, 2026, 6:30 to 9:30 pm.

LOCATION. Iman Cultural Center, 3376 Motor Avenue, LA 90034 (between National and Palms).

PARKING: Free and metered street parking. Valet parking is also available.

FREE ADMISSION: Admission to our meetings is always FREE (complimentary), but reservations are recommended.

RSVP: To register, please go to our homepage: [www.LaRealEstateInvesstors.com,](http://www.larealestateinvesstors.com,/) and press the red button “Register Here” located directly below the Merrill Chandler flyer.

Los Angeles County Real Estate Investors Association (“LAC-REIA”). Founded in 1996, LAC-REIA is the oldest and largest investor group in California. Our Association helps people invest in real estate by offering (1) education, (2) networking, (3) workshops, and (4) mentoring. If you need help with any of our services, please let us know.