FREE CREDIT REPORT
 
FREE CREDIT REPORT

There are 3 credit reporting bureaus Experian formally (TRW), Equifax & Trans Union.

Credit FICO scoring is a expedient way to determine a persons creditworthiness. It is a mathematical formula that is derived from the borrower's credit history and present credit situation. Credit scores are used by lenders to assess the level of risk involved in extending credit to borrowers.

When a lender runs your credit there is a 3 digit score that automatically shows up on all credit bureaus.  Each bureau has its own 3 digit score and each will have a different score.  Your scores are different because creditors report your payment history to one or two of the three credit bureaus.  Example if you had a late payment with a creditor and that creditor only reports to two of the tree credit bureaus the third credit report should have a higher score.

Most lenders will take the middle score for grading a borrowers credit. Below is a chart showing what credit scores goes with what credit grade.

Here are some basic things that can effect your credit score.

	Late Payments & Delinquencies.
	Length of Credit History.
	Length of Residency.
	Job History.
	Recent Credit Inquires.
	New Loans & Debts.
	Using more than 75% of your credit card and or Loans.
	If you have a credit card with a $1,000 credit limit and you owe more than $750. Your score will drop even lower if you have a number of accounts over the 75% limit.

Credit scoring is NOT always accurate. Several factors that are used to calculate credit scores have nothing to do with a consumer's payment history or present credit situation. Age, education level, occupation, information that is "unknown" to the credit bureaus, information that is not updated by creditors, and number of inquiries do not reflect a consumer's true credit profile, yet they influence the credit score.

Fixing your Credit Report

Credit restoration is an intricate, detail oriented process, and it pays to have someone who understands the business intimately. We begin work on your disputed information the day we receive your reports. We believe that fast credit repair is a personal issue that demands personal attention. This is why we put together a personalized, comprehensive credit repair plan that is unique in every case.

We have fixed/repaired thousands of credit reports. Fill out the form to the right and one of our credit experts will call you to go over your credit in detail.  If you don't have a recent credit report we suggest you clicking on the banner below for your Free credit report.  When we call you we can make a plan to clear up the wrong and derogatory items on your report.

 
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