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We Provide Positive Solutions in Bad Credit Situations!

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CREDIT MYTH: That everyone starts out with perfect credit.  REALITY: Building strong credit takes patience, discipline, and is hard work!


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When it is time to apply for a loan to purchase a house or vehicle, your credit score serves as a crucial reference point for creditors. They examine your credit report to generally gauge your ability to repay the loan by looking at how well you manage your finances and how responsible you have been towards making timely payments to your past debt obligations. If you have poor credit, it should interest you to work on boosting your credit score before the next time you go out looking for a loan.

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Top 3 Factors Impacting Credit Score

1. Payment History
Pay your bills on time. Payment history accounts for 35% of your credit score.
2. Outstanding Debt
Accounts for 30% of credit used (loans, credit cards, etc use of available limit).
3. Length of Credit History
Having long established credit will benefit your credit score..

Useful Tips To Repair Your Credit.

Payment History

Your credit score Your payment history is responsible for 35% of your credit score. Given how deeply this will impact your credit score, having multiple past due accounts featuring on your credit report will be a significant disadvantage to your score. You need to act with speed and tackle all your previous due payments if possible. The goal here is to have all these accounts being reported as current and if not paid to repair your bad credit score. Get current on your past due accounts that have not yet been charged off. 

Amount Owed

Your credit utilization is the second largest aspect that influences your credit score. It accounts for 30% of the total score. The higher the balances you have, the more it is going to hurt your score. Owning maxed out credit cards will cost you precious points, on top of the over the limit fees charged. Work on bringing your high balances below the credit limit and try your best to pay off the balances completely. This will ensure that your credit score responds in a better way to the card balances that are below 30% of the limit on credit. Going for below 10% would be ideal for you.


Length of Credit History

Some individuals assume that positive old debt can cost them points. The truth is old credit, on the contrary, can help to improve your credit score. There is no need to close your old accounts if they don't require any fees to be kept open. Any god debt that you have satisfactorily handled as the terms stipulated is a plus to your bad credit score. The longer your good debt history, the better it will be for your score.



We Are Here To Help You Succeed

When there's nowhere else to turn, turn to us! 

Are credit issues making the approval process difficult for you to obtain a home, car, or credit card loan? Let's talk.

We can help with the following: 


Charge Offs

Late Payments


Bankruptcies and more..

When will you take your LIFE back? Stop adjusting your life due to bad credit. Take a moment to consider what will your retirement look like if you don't take corrective measures now?



Do You Know Your Credit Score? What Does Your Score Reflect About You?

Increasing your credit score not only saves you money on interest rates, but it also increases your quality of life. Your credit score determines whether you qualify for a mortgage, auto loan, student loan, credit cards, personal or business loans, and the interest rates you pay. Your credit report is also a big determining factor for potential employers and even insurance premiums. 



If you find inaccurate information in your credit reports make sure that you address those issues immediately. Look for incorrect or misleading information in your credit report, be sure to scrutinize the report in it's entirety.



You are entitled to one free credit report per year from each of the credit bureaus and you can see all of your credit reports from the 3 major credit bureaus at once by going to Reviewing your credit report will allow you some insight on why your credit score is low.



 According to the FTC (Federal Trade Commission), 79% of credit reports contain errors and 21% or credit reports contain errors significant enough to have a substantial impact on a consumer’s credit score.




If you must get a car and have bad credit, then prepare yourself for a high-interest loan. If you have high credit because of your payment history (which makes up 35 percent of your credit score), start paying your bills on time. Even a few months of paying bills on time can bump up your credit score.

Ready to schedule a consultation?

Call Us! 1-888-641-8803


Get on the Right Path

Steps to brighter credit future:

Review Credit Reports | Dispute Negative Marks | Dispute Incorrect late-payment entries | Increase credit limits | Open another credit card account | Pay down outstanding balances

Establish New Credit

Once you have rectified the negative items that your credit report had, you can work on having more positive information added to it. The same way late payments significantly harm your credit score, punctual payments will also boost your score. It would really help if you have loans and credit cards that are being reported on time. Continue making timely payments and keep these balances at a reasonable rate. You might want to reestablish your credit through opening a fresh account. Limit your card applications to just one or two at most, considering that your previous delinquencies may prevent you from being approved for any major credit card.


Benefits of Improved Credit

Lower Interest Rate on Mortgage | Obtain Apartment No Security Deposit | Lower Credit Card Interest Rate | Lower Interest Rate Auto Loan | Better Car Insurance rates | Qualify for Lower Interest Personal Loan | Qualify for an SBA Loan to start a business | Increased Employment Opportunities

Ready to find out more? Get started today!

"A credit report shows your bill payment history, current debt, and other financial info. Companies and lenders use your credit report to calculate your credit score—a number usually between 300 and 850. The higher your score, the lower your interest rate may be for a loan or credit card"

Source: Experian |