Click HERE for Your Credit Score


How Credit Repair Works

Here you will find how our credit repair works, and what you will need to do to maintain a good credit score.

Your credit report is broken down into the following 6 sections:

Credit Score Basics –What is a Credit Score
Your Credit Scores and Summary
Analysis of Your Accounts
Our Credit Repair Process
The Action Plan
Your Part in the Process


Credit score

A credit score is an attempt to measure how good you are when it comes to paying bills.  First developed by the Fair Isaac Corporation, credit scores offered by the major credit bureaus try to assess and track how you borrow and repay money.   A FICO score is the same thing as a credit score: it’s just the brand name of the one provided by Fair Isaac.


These days, FICO licenses its formula to Experian,  Equifax and TransUnion,who pull financial information from a slightly different network of lenders.  As a result, your score can vary by as much as 50 points between the three major credit bureaus.


How are credit scores determined:

Five different categories of information in your credit report determine scores.

Payment history is an essential factor in a credit report.  Paying your bills on time every single time helps you build a good payment history. Any late payment is going to have a significant effect on credit scores. Your payment history accounts for about 35% of a credit score.
Utilization, which is the balance-to-limit ratio on your credit cards, is the second most important criteria. You never want a balance to be higher than 30 % of the credit limit on a single credit card or in total.  To determine your utilization rate,add up all of your balances and all of your credit limits and divide the total of your balances by the total of your limits.  That percentage should not be more than 30% as a maximum.  The lower the percentages,the better. It’s ideal to pay your balances in full each month.  It has been found that the people with the best credit scores have zero late payments and utilization rates of less than 10%. Your utilization rate accounts for about 30% of your credit score.


Credit History

Length of credit history, which is based on the length of time each account has been open and your credit mix, which is the different kinds of accounts you have including mortgage, credit cards, auto loans, etc.  Having a variety of credit types can increase your score slightly, but you should not apply for a number of accounts all at once to try to improve this element. doing so will do more harm than good because of the next element.
Recent activity looks at how much credit you’ve received or applied for in recent Specifically, it will look at if you have applied for new credit in the past 3-6 months, new inquiries, and whether you are paying off accounts or taking on more debt.
Overall capacity, such as how much installment debt is outstanding.

If you get a credit score, it will list the risk factors that are most affecting that number.  You should focus on those factors and address those issues on the credit report and your scores will take care of themselves.


How you can help in the process

STOP applying for new credit - Your scores may drop every time you try
Don’t close any revolving credit account this may also lower your credit scores
Get your revolving credit account utilization ratio down below 25% ( if your credit limit has $1000 credit limit your balance should never be above $250)
Never exceed your credit limit even if you pay the full balance each month
Avoid late payments - pay your bills on time
Keep your credit monitoring service active to facilitate the dispute process on a monthly basis. This will make it easier for us to deliver new scores and/or changes from month to month
You may start receiving correspondence from the Credit Bureaus trying to discourage you from using third parties from disputing on your behalf. Every time you receive a response like this remember the 2015 FTC follow-up study that indicates:
For another 23% of the unresolved and abandoned disputes,the consumers indicated that they do not have enough time to continue the dispute.
(40%) of consumers stated that they did not receive a notification from the CRA that the item was not changed.
If you have any doubt or questions in regards to any response please upload them to your customer portal or email them to us and we will verify them for you and will advise if there is anything relevant to the process.


Patience - this process takes time

Remember,it has taken you years to get your credit file into its current state,so cleaning it up will not happen overnight.  No one can control what the credit bureaus do. We can only ensure the process is executed legally and ethically.  It takes 30 to 45 days for bureaus and creditors to respond to each letter,and sometimes even more time for changes to reflect on your reports.  A difficult item may take multiple letters to multiple parties,so patience is key. Thanks to technology you can logging into our client portal ([CRO-PORTAL-URL]) , you"ll receive real-time progress updates of the work completed.

By following our program and our advice, your credit will improve and along the way, we"ll teach you how to maintain your excellent credit long after our work is done.


Other Factors to Consider About Your Overall Credit

Your FICO Score is one part of what a lender considers when judging credit-worthiness.
Your FICO Score does not factor in income, length of employment, alimony or child support payments, and other things that lenders will typically consider.
Having little payment history, or having only new credit can result in a lower FICO Score.  It is not always from missed payments or maxed-out credit cards.


How Credit Scores are Calculated

For a better understanding of how the Utilization Ratio see example below

(Image is example only-image)


35%: Payment history


30%: Amounts owed on credit and debt


15%: Length of credit history


10%: New credit


10%: Types of credit used

Creditors Care About Your Utilization Ratio, Why ?

Using more credit could make you less likely to pay back what you’ve borrowed.  A high utilization ratio fits the profile of someone who might be “living on credit.”That’s a fiscally dangerous way to live,and a high risk for potential lenders.

A credit score is numerical representation of a statistical prediction of how likely you are to pay your credit obligations as agreed. Potential lenders want to know that you pay your bills on time and don’t rack up debt to live above your means.

The amount of Questionable Accounts is the items we have found on each Bureau that show some sort of negative information that may need to be disputed.


Click HERE for Your Credit Score