Credit Repair

Your credit score is a numerical representation of your creditworthiness. Lenders use this score to assess how likely you are to repay borrowed money on an agreed time period. The higher the score, the more trustworthy you appear.

We offer credit repair solutions and education that can help improve your overall worthiness.

Why look into credit repair?

Credit is your financial foundation. It plays a huge role when it comes to lending approvals, interest rates, terms, etc. Your credit score can be the determining factor whether you are approved for any type of lending whether it is business funding, auto loans, home loans, etc. It is also a factor that plays a part in your terms and interest rates.

Remember, it is your right

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate, incomplete, or unverifiable information on your own credit reports without the help of external assistance such as credit repair services. You can contact the credit bureaus on your own. However, the process is time consuming and utilizing credit repair services helps you focus on other priorities.

Let us do the work so you don't have to.

What are your goals?

Before looking into credit repair, just sit down and analyze what your goals are. Take a moment to reflect on where you are in your life to see if repairing your credit is important to you. Are you planning to start a business and are looking to obtain capital? Are you planning to buy a home? Are you planning to purchase your next car? These are only some of the many scenarios where your credit score may play a factor. If your score is a requirement of your next goal, let's see how we can help.

What affects your credit score?

Payment History (35%)

Your payment history is the most significant factor affecting your score. Lenders want to see that you are responsible and pay your debts on time. Late or missed payments can damage your score while a history of on-time payments can boost it.

Credit Utilization (30%)

This refers to the amount of credit you are using compared to the total amount available to you. A high credit utilization tells lenders that you are overspending and at a higher risk of defaulting, while a low credit utilization shows that you are able to manage your finances.

Credit Age (15%)

The length of time you've been using credit also plays a role in your score. Longer credit history provides more information about your financial behavior and is generally better for your score. Lenders look at the age of your oldest and newest accounts including the average age of all your accounts.

Credit Mix (10%)

Having a variety of credit products such as credit cards, loans, and retail accounts can positively affect your score. It shows lenders that you can handle different types of credit responsibly.

New Credit (10%)

Opening new accounts in a short period of time can hurt your score. Each time you apply for credit, it results in an "inquiry". Inquiries are broken down into soft inquiries or hard inquiries. Soft inquiries typically don't affect your score while hard inquiries are the ones that can lower your score.

You can find more information about credit scores in our Knowledge Center.

Need to check your credit?

You can visit each credit bureau's website to obtain your credit report or use services that are able to provide you all 3 reports at the same time. Click below to obtain all 3 reports now.

How the process works

Analyze

We work with you to review your credit reports for accurate information. We will help identify negatives, questionable information, inaccuracies, or errors. Your credit report will help us understand everything.

Challenge

We help you verify information with your creditors and the credit bureaus and help you dispute any inaccuracies or errors. We do the leg work so you don't have to and the process is mostly hands-off for you.

Monitor

We continue to work with you to monitor your credit, addressing any potential new issues so you can stay on track. It can take weeks, a few months, or even a year for any changes to appear.

Results will vary and are not guaranteed. No one should promise that they can raise your credit score.

How much does it cost?

Just remember, you can do your own credit repair for free at little to no cost. It is your right and anyone who tells you otherwise is misleading you.

However, if you choose to perform credit repair through our services, there is an option for different types of budgets. Every situation is unique and it all depends on each individuals credit report and how involved the identified negatives, questionable information, inaccuracies, and/or errors are.

The best way to determine the total cost is to inquire and schedule a free consultation with us.

We love to help. We mean it.

Let's connect!

Schedule a credit repair consultation with us and let's identify how we can help.