Quick Credit Repair
Many people avoid checking their credit because they fear what they'll see. They know things must be bad - they are getting rejected for loans or getting high interest rates, they have been turned down for jobs, apartments, insurance policies and made to pay extra for their phones. They think that a bad credit score takes years to turn around. We are here to offer you quick credit repair - yes, it is possible. Here's what we know that can turn things around faster than you'd imagine.
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The Biggest Threats
Your credit score is a number between 300 and 850, with the overwhelming majority of people higher than 600. Over 800 is the best credit, below 700 things are considered questionable or poor. With a median score of 723, quick credit repair can get you back in the 700s and up over 750 in no time. The secret is knowing what has the worst impact on your credit.
A whopping 65% of your score depends on two factors. First at 35% is your payment history. Getting reports of missed payments or even late payments off your score is priority number one. Second at 30% is your credit utilization, a number it is often easier to improve. Credit utilization looks at how much of your available credit you have turned into debt. Maxing out credit cards or closing accounts are the worst for this number. Quick credit repair can result, however, from lowering balances on your cards and negotiating higher limits where possible. In no time this ratio improves and your credit score rises.
Looking for Mistakes
There are actually three different credit reporting bureaus: TransUnion, Experian and Equifax. They have thousands of reporting agencies, and their numbers can vary wildly. Using sharp comparisons, we can identify mistakes made by the agencies - they happen all the time. Fraud is also a problem worth $50 billion a year. With vigilance quick credit repair is only a few phone calls away with us.
Asserting Your Rights
You have rights under the law, and we look out for you. Like any good legal eagles we also have negotiating skills which can save you money and result in quick credit repair. One of the worst items on any credit report is a tax debt or lien. Our negotiators can get these debts reduced dramatically, enabling you to pay them off years sooner than you previously thought. And by consolidating your other debts, you can have your bills paid off on time and faster than you ever dreamed.
Quick credit repair is a function of brains, sharp eyes and aggressive negotiating. These are what we offer, and when you contact us today you'll be on the short road to quick credit repair!
