ARE YOU DOING THESE THINGS TO MAXIMIZE YOUR FICO SCORE?

There are many ways to improve your credit score, some that the client must do, some that I can do for my clients.

The good thing is I will tell you step by step what you must do on your part! 

 My job is to keep up with all the fair credit reporting act rules and regulations since they are forever changing. Knowledge is power, most people don’t know their rights when it comes to Fair Credit Reporting Act. Creditors make money by reporting credit scores to lenders (loans, credit card companies, mortgages, cell phone companies, etc.)

 Lenders love low credit score, that means they get to charge high interest rates and make more money! Since it’s in the best interests for the bureaus to give you a lower credit score they often put things on your credit card that is in violation of the fair credit reporting act. They expect you to not find these negatively reported items, or they expect you don’t know the rights you have been granted under the Fair Credit Reporting Act. Knowing the rules of their game you can beat them and resume your life back without the stress of bad credit.

We build a plan to stay on track, and get you to your destination of high credit score. You wouldn’t set sail off the coast of Florida expecting to reach Hawaii without a map, would you? Even with a map you would need to make adjustments along the way due to wind, waves, season, etc. With a credit repair map the same is true, we will need to make adjustments here and there, but we will end up with a better credit score.

BIGGEST THINGS:

-ALWAYS PAY THINGS ON TIME! (35% of your overall credit score)
-NEVER USE OVER 30%OF YOUR CREDIT CARD LIMIT!(30% of your over credit score)