Credit Education

Our services impact all 5 categories of the FICO Scoring Model including helping our clients to add and manage open accounts. A customized and comprehensive method puts our clients in the best position to improve their credit profile. 

1. Payment History 


We dispute negative items on your credit report and also coach our clients on ways to establish more positive accounts and improve your payment history. 

2. Amounts Owed


We help our clients establish new credit accounts and increase limits on existing accounts if needed. We also advise our clients on the recommended levels to keep their credit card balances on revolving accounts.

3. Length of Credit History


We recommend and help implement personalized and strategic ways to increase the age of file and the average age of file on your credit profile. We advise our clients on which accounts are best to close and which are best to keep open to maintain optimal credit history.

4. Credit Mix


Our services are designed to help clients achieve a good mix of positive credit including revolving accounts or/and loan installments personalized for their financial goals. 

5. New Credit


We advise our clients on how to avoid unnecessary inquiries by strategically applying for accounts where they have the best chance for approval and that makes sense for their long-term goals.

Lenders use your credit report in order to judge your reliability as a loan candidate. Your credit report indicates your ability to responsibly and reliably handle debt and it helps banks decide if you are a desirable loan candidate. A low credit score can hinder you from securing loans and financing for a home, businesses, or opening a major revolving account. A high credit score can help you secure low APR rates or special deals on loans to reach your credit goals.

You are entitled to a free copy of your credit report once a year. When taking advantage of this opportunity, you should check to ensure accounts and descriptive details on your profile are accurate and dispute any discrepancies. If your credit score is low, strategize a restoration plan either on your own or with a repair specialist.  

Credit repair does work if you are getting the best advice tailored to your credit restoration needs and the changes are greater when you have an experienced individual working on your case. 

Anyone seeking to improve their credit profile can benefit from the advice and counseling with an  expert but there are instances when limitations make this difficult including time and financial situation. It is possible to restore your credit, removing derogatory  items, if the creditor does not adhere to credit laws that outlines what needs to be done and by when. However, if you have a certain type of account removed at one point in time, that doesn’t guarantee that similar items are going to be able to be removed,  even in the same circumstances. A combination of knowledge of the laws, strategy, and timing exists in credit restoration. It also depends on your particular situation.

Credit repair is often given a bad representation by companies promising results without delivering or by using a one-size-fits-all approach for each client. We adhere to the laws laid out in the Federal Fair Credit Reporting Act and use this as the foundation to credit restoration. We also practice transparency in every step of the process with each client to make them feel comfortable and secure. The effectiveness of the credit restoration depends not only on techniques and strategies used by a specialist, but also the clients’ cooperation and commitment. It’s a team effort and we’re all in to make your financial goals a reality.