Amb Credit Repair

Credit Repair Companies, Credit repair, credit consultation, credit counseling, Credit repair services, credit repair near me, credit repair agencies
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Ways to help you improve your Credit Score

How credit scores are calculated

Your Credit Score is mainly made up 5 of key factors. 

 

  • Payment History – Frequency of on-time, late or missed payments. 
  • Current Debt (30 Percent) – The total amount of debt owed on all credit lines.
  • Length of Credit (15 Percent) – The amount of time your accounts have been open. (The longer the better)
  • New Credit (10 Percent) – These are the new accounts you have opened. These are known as soft or hard inquiries. 
  • Credit Diversity – These are the different types of credit accounts you have open. Having a variety of accounts such as credit cards, home loans, and installment loans can improve your score.
Credit Repair Companies, Credit repair, credit consultation, credit counseling, Credit repair services, credit repair near me, credit repair agencies

  How do we help?

 

By understanding your Credit Score and the key factors that make it up, as well as your rights as a consumer. We can help you implement the proper strategy that will help you boost your score and maintain financial prosperity.

Is Credit Repair Legal?

Credit repair is 100% legal. It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Even accurate negative items can often be removed or negotiated away. This law is the basis of all credit repair and the foundation of our business.

Your credit payment history and profile is the makeup of a credit report. These files or reports are maintained and sold by “consumer reporting agencies.” One type of consumer reporting agency is commonly known as a credit bureau. The largest three credit bureaus are Transunion, Equifax, and Experian. You have a credit record with these agencies if you have ever applied for a credit or charge account, a personal loan, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have defaulted on any debts, have any outstanding judgments or child support, and whether or not you have any bankruptcies.