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RealFix Finance
Complex Credit Solutions
The Bank Said "No"?
We Turn No Into Yes
When banks close the door due to credit data issues (BDI) - we find alternative pathways. 98% success rate* through pre-underwriting credit analysis.
*Subject to complete and accurate information disclosure
Israel Residents & Property Owners: This service is designed for clients with Israeli properties or residency status. BDI (Bank of Israel Credit Data) is Israel's credit bureau system.Have family in Israel facing credit challenges? Share this with them.
The Problem
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The bank rejected you - due to low Credit Bureau Score (BDI), past delinquencies, or negative credit history
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You are trapped in a debt cycle - cannot consolidate loans because you cannot get approval
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The situation keeps deteriorating - high interest rates, arrears, and growing financial pressure
The RealFix Solution
We Turn "No" Into "Yes"
We do not accept "no" for an answer. For 26 years, we have specialized in finding solutions for complex cases that banks reject. Our Hunter approach means we do not give up until we find a way.
Non-Bank & Institutional Credit
Hedge funds, insurance companies, and institutional lenders specialize in complex credit - strong banking alternatives
Credit Optimization
- Surgical actions to improve BDI rating
- Error correction: Reducing negative reporting period from 7 years to 3 years (in eligible cases)
Financial Engineering
Building creative financing structures - alternative collateral, Mezzanine financing, and syndication
Full Legal Support
Attorneys and CPAs on our team to handle all complexities
Understanding Israel's Credit System
Credit Bureau Score (BDI) is Israel's equivalent to the US credit score system. Managed by the Bank of Israel, it tracks:
- Bounced checks and returned payments
- Payment delinquencies on loans and credit cards
- Enforcement proceedings (Hotza LaPoal - Israel's collections court)
- Court judgments and liens (Ikul)
Unlike US credit scores (300-850), BDI operates on a different scale and negative marks have significant impact on banking relationships. At RealFix, we understand both systems and help clients navigate Israeli financial institutions.
FAQ
Frequently Asked Questions
Common questions about credit data issues and complex mortgage solutions
BDI (Bank of Israel Data) is Israel's credit scoring system used by banks to determine your risk level. A negative record (from bounced checks, enforcement proceedings, or delinquencies) causes the banking system to automatically block you ('red light'). At RealFix, we know how to work with this rating, bypass the bank blockade, and obtain financing even when the bank says 'no'.
Guides & Tools
Resources to Help You Move Forward
Professional guides and calculators for planning your financial pathway
Recommended Articles
Israel Mortgage Guide 2025
Complete guide to obtaining a mortgage in Israel - for new immigrants, returning residents, and foreign investors
Read More
Debt Restructuring Guide
How to reduce monthly payments by up to 50% - even with credit challenges
Read More
Useful Calculators
Mortgage Calculator
Calculate monthly payments and total interest on new mortgage or refinancing
Open Calculator
Need Professional Help?
We would be happy to review your case and offer a personalized solution
+972-72-220-2044Real Success Stories
Clients who came to us with credit challenges and left with solutions
Credit Issues + Liens
Financial Rescue: Officer and Her Mother
How we rescued a mother and daughter from financial collapse and raised $165,000 despite negative BDI and liens.
Read the Full Story
Property Lien + Municipality
When Reputation Opens Doors
An elderly couple with a municipal lien. We removed the lien and enabled mortgage registration.
Read the Full Story
The Bank Refused? We Do Not
Free consultation - we will review your case and find a solution
+972-72-220-2044 - Talk to Us