About Repairing Your Credit Score

Your bad credit report is the result of lower credit score. Credit score is a 3 digit figure that tells your credit history to your creditors. The maximum score that one can achieve is 850 points. A higher score means you have good credibility and can be trusted that you would be making payments in time, if a loan is granted to you. A lower score would indicate that in past you have not been regular in making payments to your creditors.

A score in the range of 700 and above is considered reasonable. You will face no problems whatsoever, with this credit score. However, if your credit score is lower, then, the creditors may not want to grant loan to you, or you would do so only at a very high rate of interest.
The rate difference in the interest charges can be more than 4% for a person with a credit score of 500, as compared to a person having credit score of 750.

Whether you apply for a car loan, home loan or are buying something on credit, or are applying for a job that needs lot of cash handling, your credit score is looked at.
This tells us that credit score plays an important role in our lives.
Your credit score is based upon a number of factors such as:
• Your payment patterns- whether you are paying your dues in time or are regularly delaying payments.
• The ratio of debt and the total available credit: If you have used most of the credit available to you, then you will get lower score.
• If you have recently applied for too many credit cards, you will score less.

After having known the details and the importance of credit score, you need to seek the help of experts to repair your credit score. Our firm has team of experts who will guide you to improve your credit score. We offer free initial consultation.
You need to meet us, with copy of your credit reports from all the 3 bureaus. We will study the details of the report and provide you initial consultation. If you want to proceed further and use our assistance, then we will make a contract, which is to be signed by the firm and yourself.

We will do a detailed analysis of all the three reports and write to all the bureaus mentioning the disputed items on your behalf. If the bureaus are unable to check on the disputed items with in 30 days, the bureaus will remove these items from the credit report and this will improve your credit score. The copies of the fresh credit reports will be circulated to all your creditors who had contacted the bureaus in the last 12 months.
This will enhance your chances of getting cheaper loans.