$675 to 675 Credit Repair Services


   We have over 26 years’ experience in credit repair and mortgage loan financing. We specialize in helping customers fix their credit so they can buy the home of their dreams!  Credit isn’t just for homebuyers. Did you know a poor credit score can:


-  Affect your ability to get a job, car, home or LIFE of your dreams?

-  Affect your ability to get promoted?


   A good credit score is your passport to competitive interest rates for mortgages, cars, credit cards — even insurance premiums!  ALL MONEY COLLECTED GO TO YOUR AMOUNT FINANCED AT THE CLOSE OF YOUR HOME!  IT'S FREE!!!


  Credit Repair: The First Step


   Credit repair is one of the best decisions you will ever make in your life. If you want to purchase a home and get a mortgage loan, buy a new or used car, get a loan to start a business, or get a promotion or job with a great company, expect them to pull your credit to see how well you pay your bills on time or repay your loans.


   Unfortunately, divorce, the economy, fraud, losing your job or just poor money management has caused more than half of all Americans to suffer negative marks on their credit. It’s not a good feeling when you apply for a loan and you’re turned down, or when they make you pay a lot more money down than you can afford because of your credit history.

The good news? Credit repair works and anybody, no matter how bad their situation is, can turn it around!

   Why We’re Different

   Many credit repair companies will handle your disputes for you for a service fee. However, this takes time and must be done a certain way to achieve the best results. There is more to it than just disputing your negative items. It is important to have a credit counselor or advisor that knows what you’re trying to achieve.  We will advise you on the best credit building programs and how to pay your bills to improve your score. We work diligently and quickly to achieve the highest results because the majority of our clients need a home now.


   Choosing the right credit repair company can turn your life around but some companies, I’m ashamed to say, don’t do very much. We have clients that have been in a credit repair program for more than a year and have had few results. These companies are taking advantage of their situation. It shouldn’t take them that long; they are simply dragging it out to continue collecting money from you. Typically, they only dispute one or two items each month. Why not dispute all of them in the first month?


   A good credit repair company will offer you not only counseling on what you need to do next, but will have credit building programs with companies that report to all three credit bureaus each month. They will negotiate with your creditors to lower payoffs. They will advise you when to pay your credit card, and how much you will need to spend. They will inform you about what needs to be done to improve your credit score. You also want a company that can show you the kind of results they get for their clients. A company that offers you FULL service, is aware of what you’re trying to accomplish and is committed to fixing your problem.

   Tips on How To Improve Your Score


   Credit building is a great way to improve your score. In fact, it can bring your score up 20 points if done correctly!  Getting a credit card and charging no more than 30% of your limit, and then paying off the full balance before the statement date, is an easy way to get higher results.


   Credit Utilization Ratio is another important concept. This is the amount of revolving credit someone uses in a month compared to the amount of credit the person has — a major factor in calculating a score. Fortunately, this is something you can easily manage by never spending to your limit. For example, if your limit is $200, do not charge more than 30% which is $60.  Then pay off the balance before the statement date. This will lower your utilization rate and equal higher credit scores.

The number of inquiries can also adversely affect your credit score. If your score is lower than 650, you can expect to get declined for a line of credit at a retail store.  Do you really want to go through the rest of your life crossing your fingers and praying they approve you? Don’t bet on it. Stop applying!


   The Bottom Line


   If you’re not doing anything different, like paying your bad credit off, then your credit will continue to be derogatory and no one will approve you.  Continuing to apply for more credit will just make matters worse. Instead, repair your credit NOW! Don’t wait — the laws could change.  Other reasons to do it today:


* Security for you and your family 

* Improving your quality of life

* Having money to put aside for investments and retirement\

* Getting a better career, etc!


   Call us to see how we can help you! Imagine how good it will feel knowing you have good credit and that, anytime you apply, YOU ARE APPROVED!