Credit Repair Services
“I always thought I had good credit because I had a credit card, but I didn’t realize my interest rates were so high! After using this service and cleaning up my credit, I’m saving more money! Thank you!”
– Matthew B.
A credit score is primarily based on a credit report, information typically sourced from credit bureaus. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Your credit history is summarized in files known as credit reports, compiled by three independent credit bureaus—Experian, TransUnion and Equifax. Information in your credit report includes:
- The number of credit card accounts you have, their borrowing limits and current outstanding balances
- The amounts of any loans you’ve taken out and how much of them you’ve paid back
- Whether your monthly payments for your accounts were made on time, late or missed altogether
- More severe financial setbacks such as mortgage foreclosures, car repossessions and bankruptcies
What is a good credit score?
Based on the FICO® Score* range of 300 to 850, a credit score below 669 is considered to be either fair or bad. Lenders often refer to this group as “subprime,” which indicates borrowers who may have a hard time repaying a loan.
Get your current score analysis now!
Contact us to learn how we can repair your credit.