What is your goal? Good enough to buy? The score needed when buying a car is different than buying a house or starting a business. 650 is generally good enough to get you started though your interest rate may be higher. What is a really good score, aka excellent? 850 is the highest though anything above 740 is considered Excellent.

Credit repair is the process of cleaning up inaccuracies on your credit report, removing wrong or inaccurate information, protecting your identity, and becoming more informed on credit issues. When you repair your credit file, it is likely your credit score will improve, and your ability to obtain better interest rates and save money.

Because your credit record will influence your qualification for credit in the future, could affect rates for your current credit lines, and believe it or not, employment and insurance applications. Accordingly, if your credit report is incorrect, correcting the credit file will help improve your chances. A good credit score helps you obtain low-interest rates on long-term loans, like home loans or car loans. Lenders may charge high-interest rates or impose undesirable repayment plans for you. Given the stakes and the consequences involved, it is clear to your advantage to work toward recovering from a bad credit rating.

It's very simple. First, you take an onboarding call with our team to review your credit history and put together a customized plan for you. Then, we begin our work, we also guide you every step of the way as to what we are doing and what you need to do. You do what you do best while we work directly with the bureaus on your behalf to clean up inaccuracies in your report which will help improve your overall score and strategies to take your score to the next level.

If you have errors on your credit reports that can be successfully disputed, you could see improvement in your credit in under 6 months. To the other extreme, if you have several negative listings that are not in error and a lot of debt to pay off, credit repair could take years. People who are persistent over many months and know the law have the most success improving their scores. That is why we have structured 3 packages to make the process simple and transparent for you.