Our Credit Repair Services

AVOIDING HAVING TO PAY CASH FOR EVERYTHING

If you have bad credit, you’ll have a hard time getting credit cards, which means you’ll end up paying cash for everything. It may not be a nuisance until you need to do something like renting a car and you will have to pay an extra deposit if you don’t because you don’t have a credit card.

BE ABLE TO OBTAIN HIGHER CREDIT LIMITS

Generally, as you demonstrate you can pay your bills on time, your creditors will increase your credit limits. Always remember, a credit card issuer will check your credit score before increasing your credit limit. A bad credit history could even lead to getting your credit limits cut which would hurt your credit score even more by raising your credit utilization.

STOP DEBT COLLECTOR HARASSMENT

Repairing your credit includes paying off those debt collection accounts. Until you do, you face relentless calls and letters from debt collectors. While you can take action to stop debt collector calls, collection accounts often move from one debt collector to another. When a new collector gets your debt, you’ll have to go through the process of sending letters to stop the calls all over again.

MAKE RENTING AN APARTMENT EASIER

Not only can bad credit keep you from buying a home, it can also keep you from renting an apartment. Many landlords now check credit to determine the likelihood that you’ll be late on your rent. Bad credit could get your rental application denied.

ALLOW YOU TO PURCHASE A HOME WITH A LOW INTEREST RATE

Home-ownership has always been the American Dream. Bad credit is the nightmare that keeps you from realizing that dream. Many banks won’t finance a mortgage until you’ve repaired your credit and those that will approve you with poor credit will charge you a significantly higher interest rate.