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So many people fall victim to a low credit score that is keeping them from getting their dream home, riding a new sports car or refinancing to get a better interest rate for a lower monthly payment.
Your credit report contains a history of how you've paid your bills, how much open credit you have, and anything else that would affect your creditworthiness. Your credit score breaks all that down to a three-digit number.
Using the credit score, lenders can predict how a borrower is going to repay a loan and make payments on time. It's how electronics, different types of department stores and credit card companies offering instant credit. Credit repair is the solution to getting rid of these things that is stopping you from getting the things you want.
There are several scoring procedures, most lenders use the FICO method from Fair Isaac Corporation. Each of the three major credit bureaus (Experian, Equifax and TransUnion) worked with Fair Isaac in the early 1980s to come up with the scoring process.
35 percent of the credit score is based on your payment history.
30 percent of the credit score is based on outstanding debt.
15 percent of the credit score is based on the length of time your credit was established.
10 percent of the score is based on new established credit.
10 percent of the credit score is on the type of credit you currently obtain.
Centric Solutions LLC is here to navigate the credit process for you. We contact the three major credit bureaus, collectors and creditors, we dispute on your behalf and we're in your corner every step of the way. We have been trained on recent laws, statutes, and credit reporting practices.
We know what items on your report affect your score the most. We make sure your credit report contains correct information so you can have the highest score possible. We service national and international.
Our credit repair specialist will save you time, money, and frustration. Call us today and get a Free Consultation.