We Boost Credit Scores in 30 Days or Less.
What We Do
Credit Audit and Repairs.
Your credit could be bad for any number of reasons, but it doesn't matter. It's fixable, and we do it for clients every day. Whether you have a long file of issues or just a few items holding you back, we'll take care of it.
We comprehensively audit everything on your report. After 15 years of restoring our clients' financial life, we don't miss things.
We fix credit every day. For us, it's standard operating procedures. For our clients, it's life changing. We can help you too.
Need financing for a new or existing business? We do that too. Start the conversation and let's get you what you need to succeed.
What Is my credit score based on?
Your credit score is based on several key factors that provide insights into your credit management habits and overall financial health. The most widely used credit scoring models, FICO and VantageScore, consider the following factors when calculating your credit score:
- Payment history (35% of FICO score): Your track record of paying bills on time is the most influential factor. Late payments, missed payments, and collections can significantly lower your score.
- Credit utilization (30% of FICO score): This is the amount of credit you’re using compared to your credit limits. Keeping your utilization below 30% is ideal for maintaining a good credit score.
- Length of credit history (15% of FICO score): The age of your oldest account, newest account, and average age of all accounts impact your score. A longer credit history generally leads to a higher score.
- Credit mix (10% of FICO score): Having a diverse mix of credit types (e.g., credit cards, installment loans, mortgages) can positively influence your score.
- New credit inquiries (10% of FICO score): Applying for new credit results in hard inquiries, which can temporarily lower your score. However, the impact fades over time.