How your credit affects you:
Your credit affects every part of your financial life. The average American with less-than-perfect credit spends an extra 30%-40% a month on higher interest rates. Don’t allow your less-than-perfect credit to keep you from reaching your financial goals.

You legally have the right to verify your credit reports for inaccuracies that are adversely affecting your credit rating.

Here is a percentage breakdown of a credit score:


- 35% - Payment History
- 30% - Debt Ratio
- 15% - Length of Credit History
- 10% - Types of Credit
- 10% - Number of Credit Inquiries


You’ve taken the first step to turning your financial life around by visiting our web site and we’re excited that you’re here. The next thing you need to do is contact us today for a free credit analysis, consultation, and evaluation!

How we can help:
Are you tired of the creditors and collection agencies harassing you?

Are you paying more in interest rates than you should?

Are you embarrassed from being turned down for home loans, auto loans, credit cards, and EVERYTHING?

Your credit affects you more than you think. These are just a few aspects of your financial life that are affected by your credit:

Employment Opportunities:
Employers in today’s market investigate your dependability along with your track record of responsibility based on your credit. Employers look to see how you manage your personal finances and see whether they can entrust their finances with you as an employee.

Renting Instead of Owning:
The “American dream” is to own a home, but more importantly, having something to call your own, is the financial repercussion of renting instead of owning an appreciating asset. The money that you are spending each year in rent could be going into your pocket instead of your landlord’s.

Interest Rates on Mortgages:
A typical home mortgage can cost hundreds of thousands more in interest if you are buying the home with less-than-perfect credit.

Automobile Financing:
An auto loan can cost thousands more in interest if you are buying the vehicle with less-than-perfect credit.

For example:
If a consumer with less-than-perfect credit were to purchase a vehicle at a cost of $20,000.00, it would cost up to 30% more over a period of five (5) years than it would cost a consumer with good credit.

In these tough economic times, why spend more of your hard earned money than you have to? Contact us TODAY and let our new custom tailored multi-phase system start saving you more money!

How long will negative information remain on my credit report?

It depends on the type of negative information. Here's the basic breakdown of how long different types of negative information will remain on your credit report:

- Late payments: Seven (7) years
- Bankruptcies: Seven (7) years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies
- Foreclosures: Seven (7) years
- Charge Offs: Seven (7) years
- Collections: Generally, about seven (7) years, depending on the age of the debt being collected
- Public Records: Generally seven (7) years, although unpaid tax liens can remain indefinitely


Don’t wait 7-10 years - Call a Credit Expert today and begin restoring your credit!




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