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Have you been turned down for a home loans, car loans, or maybe you're paying ridiculous interest rates. Your Not Alone and You Do Have Options! We can go on and on about the affects of bad credit and the actual harm it causes when you have bad credit lines reported on your credit report.


Your credit score directly affects most of your financial transactions such as purchasing a home, buying a car, applying for credit cards and potentially even applying for a job. Your credit score tells a lender how likely you are to default on a loan. In short the credit bureaus either wrong or right will tell potential lenders or employers if your a Financial Winner or a Financial Dead-Beat! The lower your credit score, the higher the rate of interest you can expect to pay! Therefore, the higher your score, the better your interest rate and lending terms will be.

Improving your credit is one of the easiest ways to save money each month. What seems like a small difference in monthly payments can add up over time. Money saved on financing terms can be saved for more important things such as retirement, children's education, etc. Your credit score is determined based on the following factors: payment history, outstanding debt, length of your credit history, recent inquiries on your credit report and the types of credit in use.

We can help you save time, money, and a lot of frustration. You've probably been told that your credit history will stick with you forever, or it takes years to clean up. Here you can find out it doesn't take years to clean your credit but only 3-6 months to see measurable results...