Improve Credit

Understanding your information on your credit report plays an important role in managing your finances throughout your life.   Credit is your reputation and it affects your ability to secure affordable monthly payments for goods and services and obtain cheaper loans.  Good credit is the foundation for a secure financial future.  

We have worked with thousands of people related to credit in all phases of their lives.  Whether you are new to credit, to looking to establish credit, hoping to better understand the information on your credit report, understand how you can improve your score or address errors, we can help.  Our counselors are credit experts trained to address your issues and questions in a supportive, non judgemental environment.

 

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FAQs
How can I dispute an error on my credit report?

Send your letter by certified mail, “return receipt requested,” so you can document what the credit reporting company received. Keep copies of your dispute letter and enclosures. Credit reporting companies must investigate the items in question — usually within 30 days

How can I establish credit?

Get credit for the rent you pay. If you're building your credit score from scratch, you'll likely need to start with a secured credit card.

How often do credit scores change?

Your credit score changes as your credit report changes. Therefore, it can change often since new information is added to your credit report all the time

What effect can an error have on your credit report?

Account-related and derogatory mark errors could affect your credit score, which could then affect whether you'll qualify for a financial product such as a credit card or loan and what terms you can get. Personal information errors typically don't affect your credit score, but they could alert you to a reporting issue -- or even fraud.

What information goes into calculating a credit score?

Credit scores use information from three key areas of your credit report: account information (such as credit cards, auto loans, student loans, mortgages and rent), public records (such as tax liens or bankruptcies) and inquiries (requests by lenders to view your credit). Information such as race, gender, where you live and marital status are not used in credit scores

What is a credit score?

A credit score is a numerical expression based on a level analysis of your  credit files, to represent your creditworthiness .  A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service.

What is a good credit score?

While different lenders have their own standards for rating credit scores, 700 and higher (on a scale of 300 to 850) is generally considered good.

What is a secured credit card?

A secured card is backed by a cash deposit you make upfront; the deposit amount is usually the same as your credit limit.

Why is credit so important?

Your credit history and score is one of your most important parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.

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