Having Bad Credit can lead to paying high interest rates as well as being denied when applying for a home loan, car loans, apartments, and credit cards. Our goal is to assist you with restoring your credit, rebuild it, and increase your credit score to have a solid credit profile.  We want to get you back on track so you can start enjoying the benefits of having good credit. The primary focus of our job is to help you remove, correct and update inaccurate, misleading, unverifiable late pays, charge-offs, collection accounts, tax liens, judgments, bankruptcies, repossessions, foreclosures, inquires, identity theft accounts, wrong personal information and much more. If you are tired of dealing with the consequences of a low credit score, it is time to do something about it.  

More than 90% of top lenders use FICO® scores. Here is how it is calculated:

• Payment history: Payment history refers to how you’ve paid your accounts over the length of your credit. This makes up 35% of your score, a factor that indicates that you can make payments on time.
• Amounts owed: This factor makes up 30% of your score, and generally refers to the amount of debt you’re carrying. However, your debt total isn’t as impactful as your credit utilization ratio (your total revolving debt divided by your total revolving credit limits). If you use a high percentage of available credit, it can negatively impact your score.
• Length of credit history: Another factor that impacts your score is how long you’ve had credit — holding accounts open over long periods of time can have a positive effect on your credit. This accounts for 15% of your score.
• Credit mix: Your score takes into account your mix of different types of credit accounts. This shows lenders you can manage multiple types of credit responsibly. This makes up 10% of your credit score.
• New credit: The final factor is new credit, which is the credit accounts you’ve opened recently. According to FICO®, opening too many accounts within a short timeframe corresponds to greater risk, especially for individuals with a shorter credit history. This is 10% of your score.