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Changing Lives One Credit Report At A Time
Debt is one person's liability and another person's asset.
Which person do you want to be?
Changing Lives One Credit Report At A Time
Debt is one person's liability and another person's asset.
Which person do you want to be?
6 TIPS TO INCREASE YOUR CREDIT SCORE
Review Consumer Reports
Check your consumer report monthly to ensure everything is reporting accurately.
Pay Your Bills On Time
Payment history makes up 35% of your credit score. Always pay your bills on time and before the statement date, if possible.
Keep Old Cards
Length of credit makes up 15% of your credit score and shows you can handle credit over time.
Fix or Dispute Errors
If the consumer reporting agencies can't prove it, they must remove it from your consumer report.
Pay Down Outstanding
Credit utilization should be less than 10% for optimal scoring and 30% maximum to avoid substantial drops in your credit score.
Watch The Progress
Execute on these 5 tips and you will be amazed at your results.
HOW WE WORK
6 TIPS TO INCREASE YOUR CREDIT SCORE
Review Consumer Reports
Check your consumer report monthly to ensure everything is reporting accurately.
Pay Your Bills On Time
Payment history makes up 35% of your credit score. Always pay your bills on time and before the statement date, if possible.
Keep Old Cards
Length of credit makes up 15% of your credit score and shows you can handle credit over time.
Fix or Dispute Errors
If the consumer reporting agencies can't prove it, they must remove it from your consumer report.
Pay Down Outstanding
Credit utilization should be less than 10% for optimal scoring and 30% maximum to avoid substantial drops in your credit score.
Watch The Progress
Execute on these 5 tips and you will be amazed at your results.
Are You Ready To Take Your Dreams Off The Shelf?
Are You Ready To Take Your Dreams Off The Shelf?
How It Works
Step 1 Schedule A Consultation
This is the most important step as it will determine if we can take on your file. We do not take just anyone. Sometimes there isn't a need for credit repair but rather credit building.
Repairing your credit means removing or correcting negative items from your report then focusing on building it up. Building credit is adding positive accounts to your file. In this consultation we can guide you in the best possible way to build up your credit.
Step 2 We Analyze Your Report
In order to render an effective consultation we need to view your credit report. Although Experian and Credit Karma are the most widely used monitoring options, we need what's called a Tri-Merge Report.
This is done through a monitoring company that brings all 3 Bureau reports into one report. This is the most accurate way to determine what is affecting your score. Credit Karma is a very vague score used only to get you to apply for credit cards whether you qualify or not.
Step 3 Upload Documents
More than 80% of credit reports have negative, erroneous or inaccurate information hurting consumers where it counts the most. Which leads to paying more in fees and interest and less money for your family.
Utilizing the Analysis in Step 2 we determine what items are affecting your credit and attack them based on hundreds of data points that must be reporting correctly and factually if not they must be removed.
How It Works
Step 1 Schedule A Consultation
This is the most important step as it will determine if we can take on your file. We do not take just anyone. Sometimes there isn't a need for credit repair but rather credit building.
Repairing your credit means removing or correcting negative items from your report then focusing on building it up. Building credit is adding positive accounts to your file. In this consultation we can guide you in the best possible way to build up your credit.
Step 2 We Analyze Your Report
In order to render an effective consultation we need to view your credit report. Although Experian and Credit Karma are the most widely used monitoring options, we need what's called a Tri-Merge Report.
This is done through a monitoring company that brings all 3 Bureau reports into one report. This is the most accurate way to determine what is affecting your score. Credit Karma is a very vague score used only to get you to apply for credit cards whether you qualify or not.
Step 3 Upload Documents
More than 80% of credit reports have negative, erroneous or inaccurate information hurting consumers where it counts the most. Which leads to paying more in fees and interest and less money for your family.
Utilizing the Analysis in Step 2 we determine what items are affecting your credit and attack them based on hundreds of data points that must be reporting correctly and factually if not they must be removed.
"Nearly 40% Of American Credit Scores Are Below 700 And 42% Of Americans Were Denied A Financial Product Because Of Their Credit Score... 🤔"
""Nearly 40% Of American Credit Scores Are Below 700 And 42% Of Americans Were Denied A Financial Product Because Of Their Credit Score...🤔"
TESTIMONIALS
Our Client Reviews
Thanks so much JayR for your help with my credit. It was worth the wait. Thanks to the help I was able to get into a new apartment and get my credit getting better. Definitely the best investment I’ve made in the last few years.
Austin
Credit Restoration Client
Working with JayR and his team was super smooth and they got me approved for $43,000 with multiple payment options. The team really cares about their clients. I had a great experience and I would highly recommend his services to anybody who need funding fast.
Jean
Business Funding Client
TESTIMONIALS
Our Client Reviews
Thanks so much JayR for your help with my credit. It was worth the wait. Thanks to the help I was able to get into a new apartment and get my credit getting better. Definitely the best investment I’ve made in the last few years.
Austin
Credit Restoration Client
Working with JayR and his team was super smooth and they got me approved for $43,000 with multiple payment options. The team really cares about their clients. I had a great experience and I would highly recommend his services to anybody who need funding fast.
Jean
Business Funding Client
Contact Us
Contact Us