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With the current state of the economy more and more Americans are finding themselves in  financial hardships.  Foreclosures and unemployment are at an all time high and credit cards are at their limits.  With the recession coming to an end, most people have no idea where to go from here or how to salvage their credit.  Those who have experienced slow pays or charge-offs are finding it almost impossible to qualify for new homes or even home equity loans.  Some people are finding that their negative credit history is affecting everything from the price of insurance to qualifying for job opportunities. 

We can Help!!!!

As a part of our Credit Consultation Program we will sit down with you absolutely FREE for an initial consultation to help you get a better understanding of your current credit situation.  Our communication is confidential and after the consultation you can decide a course of action.  If you retain our services we will tailor a program specifically for you based upon your ability to pay.  Our services are both affordable and practical and allow you to once again obtain control of your finances.

For more information please contact our office at 863-679-3896 and arrange your FREE, no obligation consultation.

 Credit Report FAQ’s

What is FICO?

Fair Isaac Corp, or FICO, is a company that uses a scientific method to determine an individual’s credit worthiness based on several determining factors such as payment history, amounts owed, length of credit history etc… 

What is a FICO score?

A FICO score is a number assessed to each individual based upon the scientific method used to determine an individual’s credit worthiness. 

How can I receive a FICO score?

To receive a FICO score, an individual must have at least one credit account open for six months and at least one that has been active within the last six months. 

What is a good FICO score?

Standard FICO scores range from 300 to 850.  Most lenders prefer to have their customers in the mid 600 range or better.  The higher the number is the better the rating. 

How can I improve my FICO score?

FICO scores can be improved by changing the way the way debts are being managed.  Pay bills on time.  Contact creditors immediately if you miss a payment and work out a payment plan.  Do not open any new accounts.  These are just some on the ways that an individuals FICO score can be improved.  For others consult your local credit consultant. 

Can one late payment affect my FICO score?

A first time delinquency can drag down your score by at least 100 points.  The later the payment is the more damage to your score. 

If I’m not buying a house is my FICO score still important?

Yes.  The FICO score determines more than just mortgage rates.  It also determines your insurance rates, utility deposits, career choices, and bank account approvals to name a few. 

If I pay my bad debt will it be taken off my credit report?

Bad debt can stay on your credit for at least seven years but you can provide a brief explanation of your situation on future credit reports and even request that the debt be removed in some cases.

If I file bankruptcy will it be automatically reported to the credit bureaus?

In most cases the bankruptcy will be automatically reported, however this does not mean all the information is correct.  It is very important that you check your credit report after the bankruptcy and consult with a reputable credit counselor to make sure everything is reported properly.    

Do I need to pay to fix errors on my credit report?

No.  Contact the credit bureau that created the report and work with that bureau to erase any errors.

What are the names of the credit reporting agencies?

The nation’s largest credit reporting agencies are Equifax, TransUnion and Experian.  

How can I get a copy of my credit report to check for errors?

Federal law allows consumers to access their reports with each one of the major credit bureaus free once a year by logging on to www.annualcreditreport.com.  However, please note that these reports will not include your credit score unless you request it for a small fee. 

What do I do if I find evidence of fraud on my Credit report?

Contact the credit bureaus immediately and with the proper proof and records to back up your claim the credit bureaus can fix these problems.  In cases of fraud you must be patient since most likely there will be some type of investigation. 

Can I still get a loan if I’ve always paid cash and have no credit history?

In some cases lenders will allow for nontraditional proof of creditworthiness, such as utility bills, car insurance, and even buy-here, pay-here.

"Knowledge is power" Sir Francis Bacon