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How are credit scores calculated?

With so much emphasis on your credit score, it is important to understand how the score is calculated. Commonly referred to as your FICO (Fair Issac CO) Score, your credit score is a summation of complex algorithms used to determine your exact score. While the formulas are protected, we are given approximate percentages that help us understand what goes into your score.

35% PAYMENT HISTORY

The largest factor is your basic payment history. This is the number of unpaid bIlls that you have, any bills sent to collection, bankruptcies, etc. The items that are most recent have the most impact.

30% OUTSTANDING DEBT

Are your credit cards maxed out? High balances, or balances close to your credit limit can negatively affect your score. Keep balances below 35% of your credit limit.

15% LENGTH OF CREDIT HISTORY

How long have your accounts been open? The longer the account has been open, the better.

10% RECENT INQUIRIES

Every time you apply for credit of any kind, you create an inquiry on your credit report. Multiple inquiries negatively affect your score.

10% NEW CREDIT


How many current loans you have and the value of these loans.
Three major bureaus dominate the market for supplying American lenders with credit scores. When you apply for credit, it does not come directly from FICO; instead each bureau has its own version with its own name.

Equifax is called Beacon
TransUnion is Empirica
Experian is Experian/Fair Issac

 
 
 
 
 
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3 Year Warranty

3 year warranty to make sure that when your credit is clean, it stays clean. Any new negative items that appear will be challenged within 3 years after your initial sign up at absolutely no cost to you.

 

Unconditional Guarantee

We are so sure you will be happy with our credit repair services we offer an unconditional money back guarantee unlike any other company offers.

 

Credit Approval

Once your credit has been improved to a manageable condition, it's time to get you back on the track to credit success. That's why we help you to establish brand new lines of positive credit, and credit that will help you afford such things as personal loans and property purchases.

 

Unsurpassed Results

Seeing is believing. Our extraordinary process utilizes the most complete range of tools available to ensure that you get the best results possible.

 
 
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