WELCOME to Your Healthy Credit Journey!
We want to Educate and Empower you in American Finance!
According to the Federal Trade Commission %79 of Credit Reports have errors on them!
FREE CREDIT ANALYSIS!
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Credit scores are one of the most confusing and misunderstood parts of personal finance. In simple terms, your credit score is a three-digit number based on your bill-paying history and debt profile along with statistical information about other borrowers. Lenders use this data to determine the likelihood of certain credit behaviors, including whether you will pay on time.
Your score is derived from five key factors :
Here's What the Credit Bureaus WON'T TELL YOU!
NONE of these items NEED to be on your credit report! There is NO LEGAL REQUIREMENT for any of these items to appear on your credit report. You have STATE and FEDERAL laws that protect your rights! We utilize these laws to help you improve your credit report.
Since there are NO LAWS that require the credit bureaus to report any negative information on you -- with the exception of past due child support -- you may wonder why the bureaus often refuse to remove negative information.
It is because that negative information is owned by the creditor or collection agency that reported it. These creditors and collectors are the CUSTOMERS of the credit bureau. So they have a monetary relationship with each other and their allegiance is with EACH OTHER not YOU!