Getting approved for new loans more easily!

Saving on interest rates on new auto and home loans!

Lowering your finance charges on your existing credit card debt!

Getting a better job!

Regaining your dignity and building a stronger financial future!

Did You Know?

• That a poor credit rating is the number one cause for consumers losing home loans, auto loans, and even jobs? Approximately 70 million Americans suffer from negative credit! Many of us realize far too late the impact bad credit can have on our lives and correspondingly the lives of our families.

• That with a poor credit rating, it is likely you will pay higher interest rates for any type of loan? You may even have difficulty qualifying for a loan at all!

• That you may not secure the jobs you interview for solely because employers have the right to rely on credit reports when making their final selections for employment? Can you imagine losing an incredible position because of your credit report?

• That your future landlord will undoubtedly use your credit report to determine if you will be able to qualify under their guidelines to lease the apartment you wanted?

• That even if you are confident that you have good or even excellent credit, inaccurate information that's not yours could actually show up at any time on your credit report? Recent research by Consumer Reports showed that more than half the reports studied had errors in them severe enough to keep the person from getting a loan and another study by the United States Public Interest Research Group found 70% of reports had errors in them. Hard to believe but it could happen to you!

• That there are many reasons for contacting a credit repair service to help you rebuild your credit score such as: too many report inquiries, report errors, collection items, charge offs, late payments, bankruptcy, judgments, repossessions, foreclosures, and tax liens?

• There are three primary credit-reporting agencies, also called Consumer Reporting Agencies (CRA's)? These agencies are “for profit” corporations that collect and sell your private personal information to creditors, insurers, employers, landlords, and companies that solicit you directly for credit and insurance offers. When you apply for a loan of any kind, this lender/creditor will pull your credit report from at least one of these bureaus. Although there are many other credit bureaus throughout the United States, they are mainly affiliated with one of the three major CRA's described above.

• The requirements of the Fair Credit Reporting Act and the average response time from the bureaus may cause each credit cycle to be approximately 30 to 45 days. Most will see results within the first two cycles and continue seeing results as their reports continue cycling through the system.

Ready to get the help you need?