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Your credit score is
calculated by various
information. If you have late
payments, unpaid bills, and
increases in credit balances.
Your payment history has a major
impact on your credit score.
Your unpaid past credit accounts
attribute to 35% of the score.
late payments are an automatic
"Score Killer". Another factor
is your debt to credit ratio and
if you are over extended.
The overall length of your credit
history is significant. The longer
you have had the accounts the
better. A big factor is when people
seek new lines of credit and over
extend them selves and / or opening
several accounts in a short period
of time. The best type of credit are
mortgages and loans from banks.
Revolving credit cards and unsecured
loans are not good .
Most people have between a 600 or
700 credit score. Anything under 600
is considered to be "High Risk". If
you are married be aware that you
and your spouse do not share a
credit score. Each of you has a
separate score that reflects his or
her own past credit. Our fees are
reasonable and because our clients
have different issues, we can not
determine your actual amount until
we analyze your situation. We can
assure you that there are no "hidden
fees" or "monthly" obligation. We
provide you with a 1 year contract
for a set price.
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