Having a perfect Credit Score isn't impossible. Nonetheless, maintaining good financial behaviors, it is crucial when a perfect credit score is targeted. Opening new accounts responsibly and paying them on time, checking your credit reports frequently, monitoring your credit, and using only a small percentage of their available credit monthly.
Fair Credit Reporting Act and other applicable law allow you to remove inaccurate information, erroneous, out-of-date and questionable items that could be damaging your credit score. Credit Today will grab you by your hand and guiding you toward your objective of obtaining a better credit score and help you to take control of your credit & your life.
HOW CONTROL YOUR CREDIT CAN HELP YOU REACH YOUR FINANCIAL GOALS?
Lenders use different methods to decide and evaluate your financial health. Understanding the elements they look at when borrowing money, will certainly help you to achieve your financial goals and also improving your financial health as well.
As we mentioned above, lender pay attention to the following factors:
1. Payment history: Lenders want to know if you pay your bills on time.
2. Current debts: Lenders will evaluate considering your current debt ratio and income if you can handle more obligations.
3. Collections & public records: The lenders pay attention to this elements. Having accounts in collections, bankruptcies and liens are negative when is about to get loan.
4. Types of credit: Lenders will also evaluate the different kinds of credits you have. This is what we call the credit mix, it means the variety of different accounts you manage. For instance: Credit Cards, Auto Loan, Mortgage, etc.
5. Credit History: Lenders will also pay attention to how long is your credit history.
6. Inquires: Lenders will evaluate the amount of inquires you have had recently.
Any one or a combination of these above mentioned elements are important, and will influence the lender decision. Your Credit Score overall the picture, and will show to lenders whether you're likely to pay your debt or not.
If you need to get a loan and you have been told that your credit score do not satisfy the requirements of the lender fell free to contact us at (844) 321-3232 or Fill in the form clicking here and one of our agents will be pleased to contact you.
Our company has been helping individuals, families & businesses for more than 15 years to improve their credit health and guiding them toward their objectives.
Call Today: 844-321-3232
Our professional & friendly staff walk you through your credit report and guide you on how to maintain your credit at its best. Credit Today is the credit repair leader, you can count on us to work hard and give you the most personalized credit repair service & best results. Credit Today offer you all the services that will help you reach your goals. We will provide you the most reliable, accurate friendly & personalized credit repair service nationwide.
Credit reporting is a fact of life and having a bad credit cost you money & time. We offer a friendly & personalized credit repair service helping you to remove all the inaccurate information, erroneous, out-of-date and questionable items. We will analyse your credit score in order to guide you toward your objective, identifying the main problems & providing you with a solid solution. We help our clients to remove questionable negative items.
MORE THAN 15 YEARS OF EXPERIENCE HELPING OUR CLIENTS TO REACH THEIR GOALS
Credit score is a fact.Your Credit Score may affect your approval rate as well as the interest rates given by your financial institutions when applying for a credit.
Credit Score is calculated considering the following elements : 1. Payment history, 2. Debt amounts, 3. Length of credit history, 4. New credit, 5. Credit mix. Each element must be considered and analysed in order to reach, and maintain a healthy credit situation.