We understand that credit is an important part of life and our team of credit consultants are devoted to educating consumers improve it as much as possible. Whether you are purchasing your first home, refinancing your current mortgage, buying a new car or getting the credit cards you always wanted, we are committed to help you reach your goals. The importance of good credit also extends beyond purchases as potential employers also use this information to select the best candidate for the job. Our advisors will attentively review your credit report and design a personalized plan suitable for your specific situation to maximize results.
Your credit score is very much like a score you would get on a test; you get points for everything positive and points taken away for everything negative. Even though the highest credit score you can achieve according to the FICO algorithm is 850, it is mathematically unobtainable. One single inquiry from a lender to find out your score could drop it 3-6 points. Credit scores in the upper ranges will open up the best interest rates and repayment terms for installment loans and revolving accounts.
Personalized strategies are created in a case-by-case scenario in which all the information is thoughtfully examined to achieve the best possible results for all our clients. All applicable guidelines and regulations of the FAIR CREDIT REPORTING ACT are enforced to remove any inaccurate, incomplete, unverifiable or obsolete negative information from your credit report. Our experienced consultants utilize every resource available to help guide our clients through the intricate process of efficiently restoring their credit and increasing their scores.
Clients looking to quickly boost their scores can use "piggybacking" to rapidly gain positive credit history. This process can help expedite the time it would normally take to increase your scores and get you approved for a big purchase such as a mortgage or an auto loan since it will add years worth of history to the report in a matter of months.
Credit cards can help rebuild your credit history by establishing positive trade-lines on your credit report. Unlike prepaid or debit cards, monthly payment activity will be reported to the major credit bureaus on all transactions made with unsecured & secured credit cards. Our company has partnered with several banks to help you get approved for your next credit card.
215 S. Wadsworth Blvd #520 Lakewood, Colorado 80226, United States
09:00 am – 06:00 pm