Understanding Credit starts here...
The more you know the more informed you are...
Your Credit Score
A credit score is a number primarily based on information from credit reports, which represents the creditworthiness of a person. This information is typically sourced from the 3 major credit bureaus; Equifax, Transunion, and Experian.
Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to prevent losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.
Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques. These techniques combine thousands of factors but they are more or less similar or the same.
Please visit our Frequently Asked Questions (FAQ) Page for answers to the most common questions.
Your Credit Score
A credit score is a number primarily based on information from credit reports, which represents the creditworthiness of a person. This information is typically sourced from the 3 major credit bureaus; Equifax, Transunion, and Experian.
Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to prevent losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.
Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques. These techniques combine thousands of factors but they are more or less similar or the same.
Please visit our Frequently Asked Questions (FAQ) Page for answers to the most common questions.
You might ask "Do I need credit repair?"
Living with bad credit in America today is possible, but it's tough. Bad credit makes many things difficult, impossible, or more expensive. For example, did you know insurance companies often charge a higher interest rate for drivers that have bad credit scores? If you're getting new utilities turned on in your name, the company will check your credit to decide whether you should pay a security deposit. We all know that banks check credit scores before they give you a credit card or a loan. As years go by, the list of companies who check your credit will probably grow instead of shrink. Credit repair is critical to saving money on insurance, loans, and credit cards, but that's not the only reason to repair your credit. A better credit score opens up new employment opportunities, even promotions and raises with your current employer. If you dreams of starting your own business or just want the security of knowing you can borrow money when you want to, you should repair your credit sooner rather than later. Based on the (FCRA) Fair Credit Reporting Act, you as a consumer have the right to contest and all information that you feel is incorrect and have it removed from all three credit bureaus. We abide by all State and Federal laws regarding Credit Repair as well as a very high ethical standard.
Living with bad credit in America today is possible, but it's tough. Bad credit makes many things difficult, impossible, or more expensive. For example, did you know insurance companies often charge a higher interest rate for drivers that have bad credit scores? If you're getting new utilities turned on in your name, the company will check your credit to decide whether you should pay a security deposit. We all know that banks check credit scores before they give you a credit card or a loan. As years go by, the list of companies who check your credit will probably grow instead of shrink. Credit repair is critical to saving money on insurance, loans, and credit cards, but that's not the only reason to repair your credit. A better credit score opens up new employment opportunities, even promotions and raises with your current employer. If you dreams of starting your own business or just want the security of knowing you can borrow money when you want to, you should repair your credit sooner rather than later. Based on the (FCRA) Fair Credit Reporting Act, you as a consumer have the right to contest and all information that you feel is incorrect and have it removed from all three credit bureaus. We abide by all State and Federal laws regarding Credit Repair as well as a very high ethical standard.
Office Hours:
Monday-Friday: 9am-6pm (CST)
*Before 9am and after 6pm by Appointment Only
Saturday-Sunday: By Appointment Only
We are a Christian owned and managed company.
For all info inquiries, you can contact us at
361.232.5056
877.937.7047
Monday-Friday: 9am-6pm (CST)
*Before 9am and after 6pm by Appointment Only
Saturday-Sunday: By Appointment Only
We are a Christian owned and managed company.
For all info inquiries, you can contact us at
361.232.5056
877.937.7047