What is a credit score?
We will help you dispute negative items in your payment history.
We will show you how to maximize your debt score, even if paying by credit card is not an option.
We can also help you eliminate credit inquiries from your credit report. Most people know the three credit reporting agencies, Equifax, Experian and TransUnion. The average difference in the scores between the highest and the lowest credit score of the three agencies is 60 points. This is the result of the credit bureaus having different elements in their report, which may be correct, incorrect or not reported in full compliance with the credit law. According to a recent study, almost 80% of all credit reports have serious errors in them and this does not even include the even smaller errors we are looking for.
If you can not eliminate at least 25% of the negative credits from your three credit reports, we will reimburse 100% of your rate.
In addition to starting the credit dispute process with you, what can I do to help raise my credit score?
Pay all your bills on time, always. This includes your utility bills, mortgage and car payments, and all your revolving credit lines, such as credit cards. Check your credit report at least once a year. You can find out how to challenge the bad information on your credit report here.
Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a good record of payments on time and several credit cards that are not maxed out. If you have high balances on your credit cards, then have them pay below 30% as a priority. Use your credit cards. Many people who make mistakes with their credit believe that the best way to fix things is to not use credit again. If you fear that you can not handle your credit cards correctly, then the best policy is this: just run your utility bills on your credit cards every month and then pay the balance in full before the due date. This ensures that your utility bills are paid on time automatically, and as long as you maintain the habit of paying off your credit card balance each month, your score will continue to increase. Leave credit cards in a safe or drawer at home.
Keep your accounts open as long as possible, even if you are no longer charging on the card. The best policy is to keep those unused accounts open, remove dust from your card every few months to make a small purchase and then cancel it. The time during which each of your accounts has been active is an important factor in your credit score.
Remember that all this takes time: following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. All are habits that you will want to maintain throughout your life, as they will help you keep your finances and lines of credit under control.
How long will certain items remain in my credit file?
Information that can not be in a credit report:
“I met by a friend of Fixer UP Credit, she recommended them and I decided to call them, it results in 3 months my credit increased considerably, besides they eliminated things that I did not know were in my credit report”
“It turns out that when I sought approval to get a car, it was denied, and I called the best and they eliminated the negative from my credit in just 60 days, the seriousness and responsibility of the team is what I like the most.”
“I lost a car and my credit cards went to the floor, this wonderful team changed my life totally, with dedication they eliminated everything negative that was harming me today. My life is different, Thanks Fixer UP Credit”