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As you’re looking at your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? The simple answer would be yes! There are many opportunities for change and growth. Here’s why: creditors sell very critical information about you every day that is substantial in affecting your everyday life such as your car payments, where you live/house and even your job. So it is important to ensure that all the information is as substantiated, timely and as accurate and fair to you as possible.
To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do the math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.
When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that it brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at Credit360 working to help you tackle your credit issues costs only $69 plus tax per month. It’s a pretty good price for a service that impacts a lot of things you value.
A credit bureau – sometimes called a “consumer reporting agency” – is a business that collects relevant consumer information from creditors and courthouses that then sells that information to interested parties such as potential lenders.
There is no shortcut to obtaining information from the credit bureaus. They generally take 30 business days to complete a set of investigations. We make sure that we clarify all the information in question in a time-efficient manner, but we have seen a duration of about 5 to 15 months, on average, for about 10 questionable accounts per bureau. This is an estimated timeframe, the actual duration varies depending on the situation.
Credit affects every area of your life. When your credit is bad, it follows that your life may face similar hardships in the areas of
Loan Applications: Lenders rely on credit to recommend new customers. When your credit is low, your borrowing power is stifled by risk. In this economy, mortgage and auto lenders are tightening their restrictions when it comes to drafting new loans. The average borrower is required to have a sizable down-payment and a credit score of 720 or higher. If your credit score is stalled, it could spell trouble when applying for a new loan.
Interest Rates: Interest rates depend heavily on your credit score, a number that is calculated based on the level of risk found in your credit report. If your past is peppered with late payments, collections, bankruptcy, etc., the result may equal higher interest rates. As your credit score improves, you’re likely to see a reduction in interest, allowing you to save money over time.
Insurance Premiums: Insurance is the business side of risk mitigation, so it’s no surprise that a clean credit report results in better rates. Insurance providers rely on your financial track record to determine the risk in other areas of life. A low credit score is often viewed as high-risk behaviour.
Employment Opportunities: Many employers now require credit checks before hiring a new team member. The job market is competitive, and managers use this strategy to gauge a new hire’s accountability. Despite your qualifications, a bad credit report is likely to make you seem disorganized and careless—two qualities that should never appear on your resume.
Savings: Favourable loan terms, interest rates, insurance premiums, and employment, all, add up to one sum: savings. A good credit score means leaner options. The less money you spend, the more you’ll have to save for emergencies, retirement, and education.