DID YOU KNOW?

Lenders use a number of facts to make credit decisions, including your FICO® score. Lenders look at information such as the amount of debt you can reasonably handle given your income, your employment history, and your credit history. Based on their perception of this information, as well as their specific underwriting policies, lenders may extend credit to you although your score is low, or decline your request for credit although your score is high. Contact for a free consultation at 1-866-997-6591.

 

Snapshot

A score is a “snapshot” of your risk at a particular point in time. It changes as new information is added to your bank and credit bureau files. Scores change gradually as you change the way you handle credit. For example, past credit problems impact your score less as time passes. Lenders request a current score when you submit a credit application, so they have the most recent information available. Therefore by taking the time to improve your score, you can qualify for more favorable interest rates. Don't waste time, look into credit repair today! Call us toll free 1/866-997-6591.

Holiday Spending Reminder!

Problem #1- charging more than you can pay off.
It's common to go a little overboard during the holidays – those iPhones that everybody wants this year aren't cheap! It's easy to rationalize that this is the "giving time" of year and it's okay to charge a little more than usual. This is only true if you're not "giving" so much that you're unable to pay off your credit cards. Receiving credit card bills that you can't pay off can leave you stuck with paying interest on the balances. This is not only money wasted on interest, it's also probably hurting your FICO score – particularly if you don't typically carry balances on your credit cards. This year, try to budget so that you only charge what you feel comfortable that you can pay off the following month.

 

Know AND understand what is on your credit report!

Credit Fact of the Day

Credit Fact of the Day: Be aware that paying off a collection account will not remove it from your credit report. It will stay on your report for seven years. On the other hand, contact us about having the account actually removed at 1-866-997-6591.

Check this out!

How to protect your credit during the holidays! Click on the link <---- for more information!

Check your credit report now!

Check Your Credit Report – Credit score repair begins with your credit report. Your credit report contains the data used to calculate your score and it may contain errors. In particular, check to make sure that there are no late payments incorrectly listed for any of your accounts and that the amounts owed for each of your open accounts is correct. We can fix those errors by disputing to both the bureau and creditor in your behalf. Call us for more information to 866-997-6591.