Your credit can be affected by many different items. We’re here to help you in every step of the way. We will do a thorough credit audit and give you a list of items that are hurting your score. We will also layout a plan on how to fix that.
The Credit Bureaus decision to exclude other public records from their scoring models slightly increased FICO scores for many consumers and resulted in increases of 20 to 40 points in some cases. However these still appear on your report and some lenders are very invested in reviewing this information.We can help you in verifying and disputing erroneous Public Records that are negatively impacting your score.
While there are many cooperating factors that affect your credit report, nothing has a larger impact than your payment history. In fact, your history of on-time and late payments makes up 35 percent of what bureaus consider when formulating your credit score. However this info must be reported correctly. We can help you in analyzing, correcting, and disputing erroneous information negatively affecting your score.
Bankruptcies are the one public record that are still included on your credit report. In most cases, they will remain on your credit file for seven to 10 years. Bankruptcies are difficult to remove from a credit report unless any information is inaccurate. You can however dispute an inaccurate report of bankruptcy or one being reported inappropriately beyond the statute of limitations. We will review your report and contact the credit bureaus to dispute inaccuracies if necessary.
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Often known as a “credit check” or “credit pull,” a credit inquiry occurs when a lender requests your credit report and scores from any or all of the three major credit bureaus. They’re typically used by financial lenders, but others can get access as well..for instance, landlords often can and will pull a credit report when you apply for a lease. There are typically two types of credit inquiries hard inquiries and soft inquiries. Soft pull or soft inquiries don't affect your credit scores,they’re only visible to you when you view your report and don’t show up on a lender’s credit report. However, a hard inquiry or a “hard pull” does affect your credit score, it’s an inquiry that becomes part of your credit report. This means that anyone who does a hard pull will see the inquiry. The good news is because hard inquiries impact your credit score, they can only be performed with your written or verbal consent. We can help you in verifying and disputing erroneous inquiries negatively affecting your score.
Medical bills are impossible to anticipate, which means many medical debts go unpaid and end up on credit reports. Any lingering medical bills could seriously impact your credit report. We can help you verify, dispute, and remove incorrect items.
No matter whether you’re responsible for the debt or not,collections negatively impact your credit. We can help you in disputing and removing negative items that are inaccurate.
Are you new to credit or need help with Credit Building? We have several different programs we can tailor to you that will build your Financial Flexibility So that you have the foundation upon which to build your future aspirations. Let us show you how we can help you build the right credit mix for you.
Find Out How You Can Improve Your Credit Score Today!
It’s very simple…
In order to help we will need to review your current credit status and we may ask you to provide info so that we can make any updates and corrections to your credit report.
Some factors affect your scores more than others ,we take a in depth look at your credit mix and determine what to work on for the most impact.
Like you, your credit journey is unique. We work closely with you and make sure you are on the best possible path to your credit goals. Take the first step into your brighter financial future with us today.
Schedule An Appointment Today 772-400-5669
Schedule An Appointment Today 772-400-5669
