I have been in the credit industry since 1986. There is no such thing as eliminating your bad credit, at least not legally, if in fact the bad credit is true. The good news is the bad credit doesn’t have to hold you back. Do not get hooked into these promises and guarantees. Most of these companies charge astronomical fees and either do not get your bad credit removed or get the credit removed through means that may not be ethical and or legal. And did you know, just because they were able to have the bad credit eliminated, there is no guarantee that it won’t reappear on your credit report. That’s right, it may be gone now, but can reappear. Why? More than likely because the credit item was reported correctly to begin with. Save your money!!!!! Focus on CREDIT IMPROVEMENT vs. CREDIT REPAIR………….

Credit scores have a tremendous impact on our every day lives. Credit scores affect the rates you are able to get on Mortgages, Car Loans, Credit Cards, Business Loans, etc. But what most people don’t realize is that it also can affect the premium you pay for Auto Insurance, Homeowners Insurance, Life Insurance, Utilities, Cell Phones and much more. And paying higher interest rates and insurance premiums is the best case scenario if you have LOW credit scores. There is also the possibility that you can be rejected altogether.

Now, what you need to understand is that NO ONE is exempt from LOW credit scores. Just because you have never made a late payment, does not necessarily guarantee that you have HIGH credit scores. (You can stop scratching your head now!) That’s right!!! Although making payments on time is very important, it is only 1 component of the credit scoring process. There are several components and they must all be given due attention so that your credit scores will remain at a level that will work for you as opposed to against you.

Stay tuned and visit often, I will be sharing my 23 years of knowledge and experience in the credit / finance industry so we can get you on the road to CREDIT IMPROVEMENT.

Get Serious. Get a Fresh Start!