Credit repair is the process of identifying and addressing any inaccurate or unverified negative items hurting your credit, which includes items in collections, late payments, charge-offs and more. Repairing credit scores can take time - have you said this year "I need to fix my credit?" - if so, time to start today!
Credit Review & Repair
Credit Monitoring - Bad credit clean up
Fix my credit -
Run credit report, discuss findings. Work with you on identifying any suspicious negative items that could be hurting your credit.
Bad credit clean up - I'll send the disputed items in your behalf to the credit bureaus and your creditors. If they can't verify your items accurately, they must remove them.
Finally, as we work through each questionable item. I'll help you develop smart credit habits to maintain your credit moving forward. - Just say 'Fix my credit'
1. Too big a risk for lenders
2. Higher interest rate
3. Delay building wealth
This is considered fair credit. You can usually qualify for financial products like a mortgage or car loan, but you will likely pay higher interest rates than someone with a better credit score. The "good" credit range starts at 690.
750 credit score is often considered very good — or even excellent.
Only 48% of Americans had a score of 750 or above as of April 2023, according to credit scoring company FICO
Bankruptcy is not always the answer. With time, your credit score can go up organically as you refrain from adding more debt and pay your bills on time.
Your score of 650 is very close to the Good credit score range of 670-739. With some work, you may be able to reach (and even exceed) that score range, which could mean access to a greater range of credit and loans, at better interest rates.
You're more likely to be approved for good offers and rates when it comes to mortgages, auto loans and credit cards with rewards and other perks. .
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