Credit Score Repair
What's On Your Credit Report?
Your credit report is a very important document that tells the world about your financial habits. It’s updated every single month by all of those creditors who lend money to you and maintained by the credit reporting agencies, Equifax, Experian, and TransUnion.
Credit repair is all about making sure the credit reporting agencies are creating a report card “fairly”. It’s not just ensuring that what’s on your record belongs there, but also restoring it to its highest potential legally. And finally, it’s about making sure your credit report reflects the best possible image of who you are.
What Is A Credit Score?
Your credit score is a 3-digit number (It goes from 300 to 850) that shows how creditworthy you are. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate.
Credit scores are calculated using a 5-part formula, calculated based on the following factors: payment history, amounts owed, length of credit history, mix of types of credit, and amount of new credit.
Your credit scores influence your ability to get loans at good rates, employers check credit scores to make sure that their employees can be trusted with money. Even landlords check reports to determine whether or not they are risky tenants.
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You may not realize the power of repairing past mistakes and starting fresh with a clean slate! Let us help you learn more about our services by requesting your FREE Consultation today!