WWW.CREDITMUSE.COM
I N S P I R E D
WHAT IS YOUR CREDIT SCORE?
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness.
Credit scores range from 300-850. The higher your
score is, the more likely you are to get a loan. The lower
your score is, the less likely you are to get a loan. If you
have a low credit score and you do manage to get approved for credit, then your interest rate will be much
higher than someone who had a good credit score and
borrowed money. So, basically, having a high credit
score can save many thousands of dollars over the life
of your mortgage, auto loan, or credit card.
WHAT EFFECTS YOUR CREDIT
SCORE?
35% - Payment History
30% - Debt Ratio
15% - Length of Credit History
10% - Types of Credit
10% - Number of Credit Inquiries
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WINTER GARDEN MAGAZINE
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AUGUST 2014
C R E D I T
HOW CAN WE HELP?
When you hire us, we will help you to remove negative
items from your payment history. We will also show
you how to maximize your debt ratio score, even if paying off credit cards is not an option. We also have methods of increasing your credit history with positive rated
accounts that will improve your score. We can also help
you remove credit inquiries from your credit report.
Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average
difference in scores between the highest and lowest of
your credit scores, from the three bureaus, is 60 points.
This is the result of the credit bureaus having different
items on their report, which may be correct, incorrect
or are not reported in full compliance with credit law.
According to a recent study, nearly 80% of all credit
reports have serious errors on them and this does not
include the even smaller errors for which we look. If
you cannot remove at least 25% of the negative credit
items from all three of your credit reports, we will refund 100% of your fee.