HERES HOW WE FIX YOUR CREDIT

Solving your credit problems is a three step process. Learn how we restore your credit, raise your FICO Score and help you maintain good credit for the rest of your life by building a foundation of financial literacy through FICO University

HERES HOW WE FIX YOUR CREDIT

Solving your credit problems is a three step process. Learn how we restore your credit, raise your FICO Score and help you maintain good credit for the rest of your life by building a foundation of financial literacy through FICO University

STEP ONE

PROACTIVE CREDIT REPAIR

The first step we take in fixing your credit is to proactively fix everything that we can. This includes the following elements

STEP ONE

PROACTIVE CREDIT REPAIR

The first step we take in fixing your credit is to proactively fix everything that we can. This includes the following elements

CREDIT AUDIT

The first thing we do is perform a credit audit. This determines what items on your credit report are making the biggest impact and needs to be removed

DEBT VERIFICATION

We send out Debt Verification letters to the credit bureaus requesting that negative items on your credit report be verified by your debtors. If they don’t validate the debt in 30 days they have to remove it by Federal Law

DISPUTE INNACURACIES

We scour your credit report to make sure all the information on it is correct and up to date. If we find innacuracies, we dispute them with the credit bureaus

STEP TWO

CREDIT SCORE OPTIMIZATION

The next thing we do to help improve your credit is to optimize your existing credit to improve your score. This includes the following steps

STEP TWO

CREDIT SCORE OPTIMIZATION

The next thing we do to help improve your credit is to optimize your existing credit to improve your score. This includes the following steps

CREDIT UTILIZATION

Bringing your credit utilization down to below 30% of your available credit is the quickest way to Increase your FICO Score. If you have $1,000 in available credit, you should only use $300 of it to stay under 30% utilization

ADD NEW TRADELINES

There are some amazing third party services designed to help consumers build new credit without actually getting into more debt. These programs increase available credit, report monthly payments and allow you to save money automatically by loaning money to yourself to build better credit each month without debt

DIVERSIFY CREDIT TYPES

It’s important to have a diverse credit tradelines reporting on your credit report. Mixing up your types of credit from Secured/Unsecured Credit to revolving/Installment credit will help increase your credit mix and lead to better FICO scores

STEP THREE

FINANCIAL MANAGEMENT EDUCATION

Your bad credit didn’t happen overnight. Personal Financial Management isn’t taught in schools and it’s no wonder consumers don’t fully understand how credit affects their entire adult lives. From Interest rates, employment screening to buying a car or a home and even qualifying for better car insurance rates. Your credit is vital to your financial well being. Here’s how we help you build a better financial future

STEP THREE

FINANCIAL MANAGEMENT EDUCATION

Your bad credit didn’t happen overnight. Personal Financial Management isn’t taught in schools and it’s no wonder consumers don’t fully understand how credit affects their entire adult lives. From Interest rates, employment screening to buying a car or a home and even qualifying for better car insurance rates. Your credit is vital to your financial well being. Here’s how we help you build a better financial future

DEDICATED SHERPAS

Your Dedicated FICO Sherpa will start your credit journey by explaining what elements on your credit report are affecting your score the most. They will then explain how these things impact your credit and how to fix them. You’ll get an update each month and can ask your Sherpa any questions you have.

FICO UNIVERSITY

We have created a full college level financial education program with courses, lectures, live webinars, one on one help from your Sherpa and a diploma when you’ve completed the program to mark your financial literacy and the start of a new financial future of good credit

FINANCIAL ACCOUNTABILITY

It can be hard to hold ourselves accountable. When your trying to rebuild your credit and learn better credit management, it helps to have someone in your corner who understands your challenges and is dedicated to your success as much as you are. Your Sherpa will keep you on track and accountable

ARE YOU READY TO FIX YOUR CREDIT AND CHANGE YOUR LIFE?

Click on the button below to enroll in our FICO Sherpa program for just $1. No contracts, no long term commitments and easy one click cancelation if you aren’t completely satisfied with our services. There is literally nothing to lose and everything to gain from becoming a member today!

ARE YOU READY TO FIX YOUR CREDIT AND CHANGE YOUR LIFE?

Click on the button below to enroll in our FICO Sherpa program for just $1. No contracts, no long term commitments and easy one click cancelation if you aren’t completely satisfied with our services. There is literally nothing to lose and everything to gain from becoming a member today!