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Personal Information

Personal information includes a broad range of information, or an opinion, that could


A record of a request for your credit report is called a credit inquiry. You'|| see an inquiry on your credit report anytime someone pulls your report from one of the three national credit bureaus.


Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts.

Collections / Charge-off

Credit collection refers to the general debt recovery process of reimbursing unpaid and past-due credit loans from the consumer in debt on behalf of the lender

Student Loans

A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.


It is the action of retaking possession of something, in particular when a buyer defaults on payments.


It is the action of expelling someone, especially a tenant, from a property;

Late Payments

A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

Credit Cards to Start with

The first step is to give your credit report a thorough review. If somebody has a bad credit score… there’s no barrier for them to get the information and then try to fix it. 
Look for any errors in your report that could be dragging down your score. Report any errors to the credit bureaus to begin the process of clearing your credit report. 

This is extremely important. Late and missing bill payments have a significant and long lasting effect on your credit score. If the issue is inattention, find the best way to remind yourself of payment schedules. Put all of your bills in one prominent location where you can’t miss them. Set payment reminders on your smartphone if that helps.

Remember, your credit utilization ratio is the amount of credit that you’re using at any time divided by your total available credit. That applies to each credit card account as well as the total of all your accounts. It may be difficult to do at times, but try to manage your accounts so that the amount of credit you’re using strays well below your credit limit.

Instead of borrowing less to keep your credit utilization low, why not call your credit card company and ask for an increase in your credit limit? The worst they could do is say NO but a recent survey shows that they say YES a whopping 89% of the time. Yet the same study showed that only 28% of credit card users even bothered to ask.

Should you decide to consolidate debt by using a balance transfer credit card, you are trading multiple debts for one larger debt in order to save on interest. However, combining multiple balances means that new transfer card’s credit utilization will be high, and your credit score will suffer as a result. Make sure you take full advantage of your deal, because it will be much harder to get another one. 

A major component of keeping your credit utilization low is keeping your monthly spending under control. If you don’t have a budget, set one up so monthly expenses can be planned and spread out throughout the year. Budgeting can help you manage your cash flow more smoothly and avoid getting into credit situations that can adversely affect your score, as well as helping establish the discipline necessary to save and create an emergency fund.

Credit shopping is fine in order to get the best deal, but limit your applications to the final choice. Opening multiple ne credit accounts in a short time will send the wrong message to creditors and could even cause an application to be denied.

You have the right to question every item on your credit report. After a business is notified of possible dispute, it must investigate and inform the credit-reporting agency of the results in a timely fashion. 

Put yourself in the shoes of the creditor who is determining whether to loan money to a stranger (a.k.a you). Any activity that you do that implies financial danger is a problem. Constantly increasing balances, unusual spikes in the amounts you have charged, or applying for too much credit are examples that can send up red flags to a creditor and will be reflected in your credit score. 

9 Ways To Improve Your Credit Score


We can help you!

Credit repair is the process of removing inaccuracies, mistakes and false information on your credit report. By helping you establish a clearer and more accurate report of your credit history, you may find that your credit score could improve.

Pricing can vary according to each company and their plans. Payment plans can be a one-time flat fee or a monthly plan. Some companies will offer discounted rates such as a couples discount. Others offer a trial period or a money-back guarantee within a period of time.

The time it takes to repair credit can vary on a case-to-case basis. Repairing credit can be as simple as removing inaccurate balances no your report and take only a few months to do so. However, in other severe cases where there is accurate information concerning collection accounts, then these marks will stay on your report for 7 years.

The free consultation gives you an opportunity to discuss with a credit expert what are the best steps to take in your circumstance. You can also discuss your questions or any concerns you may have about the process.

Yes, you can use credit repair even if you are filing for bankruptcy. Bankruptcy can cause a lot of damage to your credit. The most important step to take after filing for bankruptcy is making sure your credit report is clear of any inaccuracies.

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