Why do I need debt help?

Because developing good credit can save you a lot of money.  Did you know that people with good credit actually pay less in fees and rates when they're using a credit card, financing a car or buying a home?  They even pay less for insurance.

Employers are starting to use credit scores when evaluating job candidates. You might even get that better paying position because of your good credit!

Whether you’re interested in reviewing and improving your credit score, building stronger credit, or obtaining the right loan or credit card, we can help you achieve these goals.  Our comprehensive debt help servies lists every resource needed to help improve your credit, all in one convenient, online location.

How does it all work?

It's really pretty basic.  You develop good credit by taking out different lines of credit and making consistent payments when your balance is due.  Think of it like exercise: If you're consistent with paying your bills on time, you will gradually improve your credit standing and enjoy the lasting benefits of your hard work.  Except it's not that hard!

The first step in building good credit is determining your credit score.  You can obtain your credit score by ordering a credit report.  This report will determine your score and also reveal any negative marks on your credit record.

If you've run into credit obstacles in the past and you discover negative marks on your report, don't give up hope.  You can actually have past marks on your credit removed through credit repair.

By understanding your credit report, repairing any negative marks and making responsible financial decisions, you can enjoy a more profitable financial future.

A credit score is a rating used by a lender to help determine whether you qualify for a particular credit card, loan, or service. Based on information in your credit file, the credit reporting company analyzes your information using a complex mathematical model to yield your credit score.

Most credit scores estimate the risk a company incurs by lending you money or providing you with a service -- specifically, the likelihood that you'll fail to make payments in the next two to three years. The higher the score, the less risk you represent. Your score is calculated by a mathematical equation that evaluates many types of information found in the credit file.

Many different formulas are used to calculate credit scores, but most are based on the following factors, which each scoring model weighs differently:

Payment history. A record of late payments on your current and past credit accounts will lower your score.

Public records. Matters of public record such as bankruptcies, judgments, and collection items may lower your score.

Amount owed. Owing too much will lower your score, especially if you're approaching your total credit limit.

Length of credit history. In general, a longer credit history is better.

New accounts. Opening multiple new accounts in a short period of time may lower your score.

Inquiries. Whenever someone else gets your credit report -- a lender or landlord for example -- an inquiry is recorded on your credit report. A large number of recent inquiries may lower your score. Insurance inquiries that are created from an insurance quote or a renewal, have no impact on your credit score.

Accounts in use. The presence of too many open accounts can lower your score, whether you're using the accounts or not.

It happens - people run into obstacles with their credit, and the results of bad credit can be overwhelming.

It can deplete any ambition to apply for loans, credit cards, or even buy a home.  People with bad credit often feel stuck paying higher interest, but this does not have to be the case.

Most people don’t realize they can take action to change their credit standing.   Did you know you can often delete bad marks from your report and improve your credit score?  By doing this, you can save tens or even hundreds of thousands of dollars over your lifetime by reducing your interest rates.

Remember, it is your right to dispute any errors on your credit report, and we can connect you with the best resources to dramatically improve your credit potential.

Click here to learn more about  your options when repairing your credit.