What is Credit Repair?

Many people are a little confused when they hear the term credit repair, and are not sure exactly what it means. The credit system in the United States can be quite confusing! In layman’s terms, credit repair is when an individual takes a pro-active stance when it comes to the information that is listed on his or her credit report. It involves obtaining copies of the credit report several times a year and carefully studying the information in the report to make sure it is all correct. If the individual sees information on the credit report that is wrong, then they take steps to either dispute the information with the credit agency or request that the credit agency correct the information.

Our experts will help make your credit report as perfect and as up to date as it could possibly be. It is particularly useful for anyone who has filed for bankruptcy and wants to start the task of rebuilding their credit. Our credit repair services are available and will help people who want to repair their credit get a fresh start. We eliminate the need to hire an attorney or a credit counseling service and have to pay out the nose for this kind of assistance. We can assist you for much less money and, by following our program we will help you reach your credit goals.

  How much can bad credit cost you?

Sure, you know your credit score can affect everything from whether you qualify for a mortgage to whether an employer hires you, but have you ever made a plan to consciously improve your score? If not, it can be costing you dearly.

When it comes to mortgages, auto lending and credit cards, the higher your score, the lower the interest rate you're going to pay," says Barry Paperno, manager of customer service for credit-scoring company Fair Isaac, which created the widely used FICO credit score. So the time and effort it takes to improve your credit score could save you hundreds of thousands of dollars over the course of your lifetime. Take a look at the chart below to get a better ideah on how much of a difference a higher credit score can make on a 30 year mortgage.

Have credit questions? Give us a call.

Don’t let your poor credit stop you and your family from owning a piece of the American dream. We have helped thousands fix or repair their credit and have made the dream of ownership a possibility. For a free consultation with one of our credit experts call us 954-748-0820