It's much easier to start with good habits than to repair black marks later on.                                                                 



You are invited to the most effective program available to clear mistakes made by creditors.



Once you have obtained excellent credit, it is necessary for you to protect it.                                             

Building Your Credit Profile

 Know How Credit Scoring Works

  • Scores are between 300 and 850
  • The FICO model is set up to place more value on current behavior than on past behavior
  • The five most important factors:
    1. The frequency, how recent and the severity of past delinquencies all play a factor in your payment history.
    2. The higher your ratio of debt to your available credit the lower your score is.
    3. Your score considers both the age of your oldest account and the average age of all of your accounts.
    4. How many accounts you have applied for recently, how many new accounts you have opened, how much time has passed since you applied for credit and since you last opened an account.
    5. The types of credit you use.