About Us

 From bankruptcies, to charge-offs, to tax liens, we have removed virtually every credit problem. working for our clients has resulted in thousands of items removed from their credit reports last year alone. Our 21+ years of experience in the credit repair industry has helped many clients to turn their lives around. 

Good credit and great credit

 

Having good credit puts you head and shoulders above people dealing with a low credit score, but most people with good credit could still benefit from taking their credit score up another notch. While a 690 credit score is good, a 750 credit score is better.

For many people, increasing their credit score from good to great doesn't take very much work. It may be a simple matter of paying down credit card balances or removing some inaccurate negative items from their credit report

Credit scoring

 

Due to the nature of the credit scoring algorithms in use today, any amount of bad credit on your credit reports can prove disastrous to your credit rating. Regardless of the number of positive credit listings you have on your credit reports, negative credit items will drive your score down. In fact, even a single serious negative item such as a 30 day late payment recorded on your credit reports can cause you to be rejected on a credit application.

With today's increasing credit restrictions, it can seem like lenders are looking for any excuse to deny credit to consumers. When you have negative marks on your credit reports you don't force them to look far. This is why it is more important than ever to have a clean credit report. It is not enough to have multiple positive lines of credit and a long history of use, you also need to do your best to keep bad credit listings from appearing on your credit reports.

Please call us today if you are in need of a free consultation. 1-800-388-5114