DO YOU KNOW HOW YOUR CREDIT SCORE IS AFFECTING YOU?! bad credit

The three largest credit bureaus, Equifax, Experian and TransUnion generate this 3-digit number (FICO Score) ranging from 300-850 under license from Fair Isaac Corporation.  This numeric indicator is so pervasive in our financial lives that anyone today with an average credit score of less than 720 will pay an average of 25% to 50% more for virtually any financing they seek.  For example, those that have credit scores of 699 or less (about 50% of the U.S. population) will likely pay higher interest rates for credit cards, auto and mortgage loans, higher insurance rates and have higher deposit requirements for cell phone and cable services, and leasing an apartment or commercial space. The utility companies are now trying to get in the credit score game by petitioning regulators to use a “risk based premium” to charge higher rates to those whose scores may be considered too low on their arbitrary scale! It’s never been more critical than ever in our Nation’s history to have your credit score as high as possible.

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QUALIFYING FOR LOANS

Don’t you love those advertisements for low or no interest rate financing?!  These offers are great… if you can qualify to begin with.  If you’re not one of the 28% of the population that can qualify for these special offers, at best your interest rate will be 2 – 5 times higher than the advertised offer, or you could be denied altogether.  Here’s the good news! We can help you improve your credit rating with our proven credit repair strategies so that you can be more confident about qualifying for financing the things you need. Whether you need to finance a car, home or open a new credit card account, we can guide you to success.

GENERAL CREDIT SCORE STATISTICS

Here’s a table showing the credit score bell curve and the corresponding average delinquency rate for each score range: credit repair service

Because your credit scores determine so much of what happens to your financial life, you can see it pays to keep your score at 700 and higher, and definitely above the current national median of 689 if possible.  If you follow these general guidelines you’ll have a better chance of having a higher credit score:

• Pay all your bills on time
• Carry low balances on your credit cards (Less than 25% is best – save on interest charges and boost your score)
• Keep your long term credit history open (i.e., 5 or more years) and don’t close accounts unnecessarily
• Never go over your limits
• Don’t continually apply for credit that’s not needed (no more than 1-4 times per year).

Most people are aware of the guidelines above, but what happens if you find an unexpected negative item like a collection or misreported late payment on your credit that causes you to lose 60-100 points or more on your credit score?! Just call us at: 1-888-385-6742, ext. 305 to enroll with us and start getting your credit restored today!

YOUR LEGAL RIGHTS

You have the right to question any information on your credit reports that you feel may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, unfairly biased or unclear (“questionable.”)  If an item cannot be verified, then it must be removed.  Remember, the WAY in which LegalCreditAssist.com disputes these items with our proven credit repair strategies are what maximize the effectiveness on our clients’ behalf.

FINANCIAL INDUSTRY ABUSE

Many banks and insurance companies are perfectly content justifying the higher rates and fees they charge consumers that do not have near-perfect credit scores.  They actually benefit when they use just your credit scores as an excuse to charge you HIGHER rates and fees.  Think about this, who benefits the most when you go to obtain a loan and your interest rate is 12% instead of 6.5% because your credit score happens to be too low?! There are numerous reasons why your credit score could have dropped such as having your card balances over 51% of their limit, or a collection that was mistakenly placed on your credit file or applying for one of those “10% discount offers” for a department store card, etc.  REMEMBER – THE MORE RECENT THE ENTRY, THE MORE DAMAGING IT IS TO YOUR CREDIT SCORE.  This doesn’t necessarily make you a poor credit risk, but it does give banks and insurance companies an excuse to charge you higher rates and fees. Don’t just sit there and complain – Do something about it and get started with us to get your credit improved with our proven credit repair system and take control of your financial life!  Get started with us today!  Just call: 1-888-385-6742.

OUR EXPERIENCE

LegalCreditAssist.com’s staff has over 40 years’ of collective experience in working with the finance and credit industries.  LegalCreditAssist.com’s powerful credit intervention strategies have led to the successful removal and/or editing of over 600,000 (and counting!) negative entries from tens of thousands of credit bureau files.

YOUR DAMAGED CREDIT IS NOT PERMANENT

The Government Accountability Office has shown that approximately 70% of all credit reports have incorrect information on them; of these, approximately one third could not qualify for any financing. Financial institutions and the credit bureaus would have you believe that having damaged or bad credit is a permanent situation or that these negative items must stay on your credit report for 7 to 10 years.  This is absolutely NOT true if you do something about your current credit situation!

STOP COLLECTION FIRMS’ HARASSMENT

If you have alleged outstanding collections and collectors calling, harassing and threatening you, you need to let us intervene for you and stop these bozos in their tracks! More often than not, many of these collection companies are in violation of the Fair Debt Collection Practices Act (FDCPA) and can be held liable (as in you can SUE them for damages) if they do not operate within the law. credit repair services