You have three FICO scores, and each is based on the data stored by the individual credit bureau. And there can be significant differences in the data each credit bureau maintains. Read More »
I checked my credit score with Experian, but my mortgage broker told me that is not a real credit score. What does that mean?
One of the first things you will discover as you start your credit repair program is that there is only one credit score that matters and that is the FICO score. And all of our credit repair strategies are FICO score oriented. Read More »
The FICO score is the only credit score you need to be concerned with for credit repair purposes, and virtually the only score used by lenders in making loan decisions. Read More »
If you go MyFICO.com, the website for Fair Isaac Corp, the developer of the FICO score you will find lots of great info about the factors that influence your score. Read More »
There is almost always a way to get a quick and significant pop out of your credit scores. Everyone’s situation is different, but here are a few general credit report repair tips that will get your scores moving the right way, and quickly. Read More »
Credit Repair and Credit Scores
Credit repair may involve many aspects of your credit, from disputing errors, to building and managing new credit. But regardless of the specific focus, all activity should revolve around your credit scores. Everything we do in our credit repair program is guided by the influence it will have on your credit scores.
The dispute process is enticing; it is very exciting to watch derogatory information fall from your reports month by month. And without question, management of the dispute process for our credit repair clients is the centerpiece of our service. But we never lose sight of the ultimate goal of making your credit lender-ready. This involves more than cleaning up the erroneous derogatory information on your reports. Lenders look for minimum credit scores and specific content. A one sided dispute-only approach to credit repair is certain to disappoint. Without adequate well managed positive credit you will never become lender-ready.
Our balanced and super effective approach to credit repair involves helping you rebuild and manage your credit for the maximum score impact. If you don’t have open mainstream credit cards (such as MasterCard and Visa) now is the time to get them. If you don’t qualify, we will guide you through the process of opening new secured cards. They are easy to open and you won’t get denied. We will also counsel you on the most powerful way to manage your new cards to achieve the optimal credit score benefit. When it comes to credit scores, everything matters!