The benefits of having a good credit score are not limited to helping you get into a home. Almost any lender who offers credit will take your credit score into account. This means that a better credit score may help you get approved for a car loan, credit card, home equity loan, debt consolidation loan or other personal loan at a lower interest rate. Even further, many entities are now using your credit score to make different sorts of decisions about you. In today's society, a better credit score may also help you lower your insurance premiums, get an apartment and possibly increase your chances of landing a new job. Make no mistake, bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the challenges it causes, including:

High interest rates on home mortgages, credit cards, auto loans, student loans, etc.

Unwilling lenders/creditors

Unmanageable debt

High insurance premiums

Fewer job opportunities

           In addition to costing more money, bad credit limits your financial options and threatens your fiscal stability.

 If you’re dealing with a low credit score and find the whole credit rating system confusing, take a deep breath and relax. Credit scores are designed to be complicated and we’re about to make things simple. In fact, we can blow away the smoke in the initial free 15-minute consultation to set you on a path of credit freedom.

   Services

Bureau Challenges; Creditor Interventions; Inquiry Assist; Score Analysis; Cease & Desist Letters; Guaranteed Improved Credit Score

Products

Once you engage in my company, I help you obtain your credit reports from the three major credit bureaus: TransUnion, Experian and Equifax. Credit Analysts assigned to your case will review your credit reports and direct appropriate correspondence to your creditors and credit bureaus. Your credit report items are carefully triaged and matched with just the right credit repair strategies as applicable to your case. Since each client's case is unique, I will collect specific information regarding your particular circumstances for each item in question.

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My customized tool, educational approach, and proven technology will guide you through the tasks and action items you need to take in order to maintain a healthy score and accomplish your credit goals.