Working Together Improving Credit Scores

Credit Info

What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

What affects your Credit Score?

35% – Payment History

30% – Amounts Owed

15% – Length of Credit History

10% – New Credit

10% – Types of Credit in Use

 

We will help you to dispute negative items in your payment history.

In addition to starting the credit dispute process with you, what can I do to help raise my credit score?

How long will certain items remain on my credit file?

Information that cannot be in a credit report: