Services
Credit Improvement
Good credit means having a FICO® Score☉ of 670 or higher, and the closer your score is to the maximum of 850, the better. That will give you access to the most favorable, least expensive loan and credit card options, and can help you in other ways by making it easier to purchase a home, for example..
Credit Restoration
Removing inaccurate items from your credit report alone is not enough to increase your credit score. You must have positive credit such as loans and lines of credit being reported to the credit bureaus. With our programs we will counsel you what to add, when you should apply and how to maintain the account.
For example if there were no accounts reporting to the credit bureaus you would not have a credit score. You need positive credit to report in order for a credit score to be generated among all three credit bureaus.
Credit Building
There are many ways to build your credit profile. Credit-builder loans are typically offered by small financial institutions, such as credit unions and community banks. Secured credit cards are another excellent way to build your credit profile as well. Our team will help you understand what each account is, recommend when you should apply and teach you how to use it.
DIY
With our DIY services you can repair your credit yourself. We provide you with a portal for you to track your progress, obtain a copy of your credit report from each bureau every 30 days and much more. There is also a help button at every screen.
Financial Counseling
When financial troubles arise, it’s important for people to understand that there are options to assist them in the form of financial counseling. Financial counseling services are services that are designed to assist individuals or families with their financial needs. There are many different types of financial counseling services. In this lesson, we’ll take a look at some of the more common services to gain a better understanding of who they serve and how they work.
Business Credit
Our team of dedicated professionals will help you establish business credit for your business. We will help you increase your Paydex scores in a matter of months. With a Paydex score above 80 you will be able to obtain loans and lines of credit that you need for your business.
