What is your credit score costing you?

When’s the last time you applied for a loan or credit card? If you were denied, then you might be wondering if your credit score even matters.  In reality, your credit score, the number that is often used by lenders, creditors, banks, and many others is used to help evaluate and rate how much of a financial risk you are to when lending money or credit.

What does your credit score really mean? A credit score is the number that tells people how responsible of a person you are when it comes to your credit and how you manage your finances. Your credit score is a number that is taken from a statistical analysis of the items that are listed on your credit report and a also part of your credit history. When the three major credit reporting bureaus review  your credit report and evaluate your credit score several things are taken into consideration. Many factors, like the number of on time payments, late payments, high credit balances, how much credit cards you have, the number of loans, the amount of debt, and  your legal credit matters.


  • Our process begins by obtaining your credit report from the three major credit bureaus. We then review your report to find negative or outdated items that might be erroneous, inaccurate, unfair, or incorrect.


  • Next, we open a dialogue with your creditors and the credit bureaus on your behalf, asking them to look into each of the items we identified earlier.


  • We leverage specific laws to keep your case challenges moving forward. Items that are not confirmed as accurate, fair and substantiated should be removed from your reports.


  • Throughout this cycle, we’re here to answer your questions and teach you how to better manage your credit.

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What’s a Good Credit Score?

Credit scores range from poor, fair, good, very good and exceptional. Most lenders will bucket your score into one of these categories however — a score between 670 and 739 falls into the “good” credit score bucket.

What’s My Credit Score?