Most HALO clients have credit scores below 600 and need help to qualify for a mortgage. This often includes disputing erroneous items on your credit report as well as settling outstanding collection items. HALO recognizes that many clients will need customized guidance and assistance to bring their scores up. For these clients, specialized HALO staff will provide a detailed roadmap that, if properly followed, will lead to mortgage-qualifying scores within 12 months. HALO is unique in our 100% commitment to helping you fix your credit problems.