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How Is Your Credit Health?
Just like your health, if everything is not kept "in check" with your financial well-being and if you are not disciplined in your spending, your credit could begin to get sick and start dropping.
Did you know that your credit score is made up of 5 core factors?
Every time you apply for a credit card, use that credit card, miss a payment, buy a car or home, or a number of other things, it either helps or hurts your credit. Over time, these instances become items on your credit and can drag your score down or keep it high!
Here are a couple of ways you can get back on & stay on top of your credit scores:
Credit Restoration
Your credit score revolves around your financial health, making it imperative that the information your reports contains is as accurate and up-to-date as possible. Work with our credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts.
We start by performing a complimentary audit of your scores and will provide this report to you to use as you work towards your financial goals.
Use our expert knowledge of the Fair Credit Reporting Act (FCRA) to your advantage. Dispute the mistaken negative ratings that may be preventing you from obtaining better credit for when you need it most. Lower your interest rates, qualify for more purchasing power, save money and advance your credit opportunities.
Building Your Credit
Understanding how your credit score is calculated and how to read your credit reports are the first steps in improving your current situation.
Learn how budgeting and responsible saving can help you achieve your financial goals.
Improve your score by identifying the accounts that need immediate attention and why, and understand the impact of the amount of credit you are using.
Credit Monitoring
Monitoring and managing your credit can be easily done with an app provided to you right on your smartphone!
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No phone calls or writing letters are necessary.
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Automatically track your progress and quickly find out when updates hit your credit reports!
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Get alerts to your phone or email that someone opened credit in your name. If the activity is not familiar to you, you will know quickly and can easily reach out to the creditor to prevent any fraudulent activity or even identity theft!
So, are you ready to start solving your problems?
Life will happen, unexpected obstacles will occur. It's up to you to take action, to say "enough is enough!" and to start putting processes into place.
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We are here to help you do just that! Helping you navigate the unknowns, educate you on best practices and help you achieve your goals is why we got started! If you are ready for change, give us a call or fill out the form below to start the conversation.