| If you've made a few credit mistakes, all is not lost. One strength of credit scoring is that it has a dynamic component - no one bad aspect should totally sink you, just as one good aspect won't guarantee you credit. Although late payments will lower your overall score, having an otherwise good credit history with little outstanding debt can make up for it. Below are explanations of the categories from Fair, Isaac, and Co., the company that developed the software used for most credit scores (sometimes referred to as FICO scores).
Score 08 has been approved by Fair Issac the scoring model has changed now more than ever people who didn't need credit repair before, are finding they need it to improve their financial success.
Late Payments effect your score we update the late payments as paid as agreed. Trade Lines help increase your score, because it boosts the amount of positive. Debt to Credit Ratio - only spending 30% of the amount of credit available on each account, increases your score, spending more than that, even one time (maxing out your card) will decrease your score. Inquiries
The problem is junk mail offers for new credit cards, shopping clubs etc, perform hard inquiries without your permission. Too many of these and your scores go down. Each of our credit repair packages include opt-out reporting to not only delete the last 6 months of inquiries but keep you opted out of those junk mail offers. Tradelines: Our gold an Platinum package offer gauranteed unsecured trade lines. The more tradelines you have available, the more positive credit balances out your debt to credit ratio and helps increase your score!
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