top of page
This site was designed with the
.com
website builder. Create your website today.Start Now

We provide an aggressive plan to improve your overall credit standing. A higher credit score can save you money down the line on your next home or car loan. There is no need to wait for a negative account to fall off your credit report. Let us help you rebuild a healthy credit rating.

 

We specialize in utilizing federal laws to help improve your credit and raise credit scores. So you can purchase a home, vehicles, lower insurance premiums, credit cards and obtain better jobs without having to wait 7 to 10 years for bad credit to fall off your credit reports. These consumer protection laws can help correct or delete the following:  Short-sale, foreclosure, bankruptcy, collection, charge-off, repossession, tax lien, judgment, late payments, inaccurate personal information, inquiries and more. And ... for those clients who do not have any credit or too little credit, we can help establish new credit accounts.

 

Debt Settlement is a great option if you cannot fully pay your credit cards, medical debt, repossession or 2nd mortgage. If you can't qualify for bankruptcy, most debts can be settled down to approximately 20% to 30% in most cases saving you hundreds to thousands of dollars.

 

OUR PLAN

Top 10 Credit Mistakes  

1. Closing credit card account 

2. Missing payments 

3. Settling with your lenders without insuring that they report their account as paid in full. 

4. Over utilization of available credit. 

5. Excessively shopping for credit. 

6. Thinking all three credit bureaus       are reporting the same information. 

7. Thinking all three credit scores are the same. 

8. Not understanding the Fair Credit Reporting Act. 

9. Not knowing you have three different credit scores.

10. Not having credit.

Small Facts

  • Every state has a Statute of Limitation of debt and each state has a different timeline. It also is different for open accounts and written contracts, so make sure you know your states statutes of limitations.

  • There are three different types of accounts that are listed on your credit report. Revolving Accounts, Installment Accounts and Open Accounts.

  • Credit bureaus assign a number to your account to let creditors know your payment history. Numbers are from 1-9

  • Score break down. 35% of your FICO is from payment history, 30% of your FICO comes from the amount of debt, 15% of the FICO is from how old the account is, 10% from what type of accounts and the last 10% is from how many times you have your credit ran.

  • Know your credit utilization. Current Balance (/) Credit Limit (x) 100=Credit Utilization.

bottom of page