Credit Rebuilding:

After negative item removal and as part of your total credit report health we employ effective and proven methods to get your credit score to the Top quickly.

As you may already know, the credit scoring system was originally invented by The Fair Isaac Corporation (FICO®). FICO® scoring model looks at various different aspects of your credit report to come up with your unique credit score. Our objective is make your credit “FICO® Friendly”, in other words, to make the scoring system rate you highest.

FICO® Scores range from 300-850. Higher is better.

Detailed analysis of the credit to achieve proper balance in the following categories:

a. Tradeline Types
b. Total credit capacity
c. Length of account history
d. Payment History

This is a very effective method to quickly raise your credit scores. This involves adding large amounts of available and established credit lines to your name regardless of your credit score.

We have teamed up with banks which open special “credit building” accounts to help our clients re-build credit.

Special credit cards with up to $10,000 credit limit. There are no monthly fees, application fees or annual fees with this account. The purpose is to increase available credit and build a positive payment history.

This should only be done after a good analysis of each account, since asking for a credit line increase will often cause a “hard” inquiry, which in turn can lower the score.

All of the above methods, when intelligently customized for each client result in superb credit score rebuilding. It is not unusual for credit scores to rise more than 100 points in one to three months after this program.