We challenge your questionable negative items with all three bureaus, ensuring your credit reports are accurate and fair.
We ask your creditors to verify the negative items they’re reporting. If they can’t, they are required by law to stop reporting them.
We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your goals.
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4 Benefits of Credit Repair
- a primary benefit of repairing bad credit is to become “credit worthy”. Successful credit repair is a process that gives individuals an opportunity to reverse their “status” in society – to go (over time) from being a “credit risk” to becoming a consumer who is pursued by lenders and consumer creditors, and thereby regain the ability to make purchases on credit…
- another benefit of successfully undertaking credit repair is that the cost of credit (interest rates charged) is higher for people with bad credit. Likewise, other terms of borrowing (life of a loan, security required, etc.) can have a negative effect on people with bad credit or poor credit histories
- ancillary benefits of repairing one’s credit include the relief of stress from dealing with “bad” credit, including stress at work and in personal relationships. The stigma of bankruptcy and of being a “credit risk” will also disappear over time… Credit repair allows people to “get their lives back” with a “fresh financial start”
- the list of advantages to successfully undertaking personal credit repair include the areas of credit card worthiness, car insurance rates, and the ability to obtain a good job or suitable and affordable housing
We will need a few information to get started. Click on the link to begin.
What Is a Good Credit Score?
Generally speaking, the credit bureaus consider any score over 650 to be a “good” credit score. Credit scores calculated using the FICO® score or VantageScore 3.0 scoring models range from 300 to 850. For FICO® scores, a good credit score is 670 to 739 with a higher score being very good or excellent. For VantageScore 3.0 scores, a good score is from 700 to 749 with a score from 750 to 850 being excellent.
The best credit score and the highest credit score possible is 850 for both the FICO® and VantageScore models.
On the flip side, FICO® Scores below 670 are fall into the fair and poor range, while VantageScore 3.0 scores below 700 are fair, poor or bad.
FICO® and VantageScore aren’t the only credit scoring models. They are though the most commonly used models and the models used by the major credit bureaus—Experian, Equifax and TransUnion. Although Experian also has its own scoring model called Experian PLUS and other models exist. Here’s a look at some of the other scoring models and the ranges they use.
- VantageScore versions 1.0 and 2.0: 501–990
- Experian’s PLUS score: 330–830
- TransUnion New Account score of: 300–850
- Equifax credit score:280–850
What Goes Into a Good Credit Score?The same basic factors go into calculating both VantageScore credit scores and FICO® credit scores and are:
- Payment history that accounts for 35% of most scores
- Credit utilization that makes up 30% of most scores
- Length of credit history or credit age used to calculate 15% of most scores
- Mix of accounts that makes up 10% of most scores
- New credit inquiries that affects 10% of most scores
Lets begin to repair that credit today!