About Us

Our Truth

We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten. Credit repair firms cannot do anything that you couldn't do yourself, but we can help you to achieve results in a fraction of the time without making costly errors. Thank you for your time and God Bless.

What affects your score

  • Payment history: Your account payment information, including any delinquencies and public records.
  • Amounts owed: How much you owe on your accounts. The amount of available credit you're using on revolving accounts is heavily weighted.
  • Length of credit history: How long ago you opened accounts and the time since account activity.
  • Credit mix: The mix of accounts you have, such as revolving and installment.
  • New credit: Your pursuit of additional credit, including credit inquiries and the number of recently opened accounts.

How to improve your credit

  • Pay your bills on time, every time. Delinquent payments and collections have a major negative impact on your score.
  • Keep balances low on credit cards and other revolving credit.
  • Apply for and open new cards only as needed. Opening additional accounts to have a greater credit limit won't significantly improve your score.
  • Don't close unused credit cards. Doing so may actually lower your score.
  • Protect your credit information from fraud and identity theft.
  • Check your credit report for accuracy. You can get a free report from each credit reporting company annually at annualcreditreport.com.