Most of our clients see a change in their credit score within their first 60-90 days.
Credit Repair is a marraige between removing negative items and building positive credit items. The only real variable in your credit is YOU.
Even with our proven and effective system, if you are continuing to accumulate late payments or max out your credit accounts, you won’t get the results you’re expecting.
Here are some of the most common reasons people experience stagnant or lowered credit scores in our program:
- New late payments
- Maxed out credit accounts
- Collection account being sold to another collector
- Choosing NOT to build your credit
Remember, the point of credit repair is to remove inaccurate or outdated and unverifiable items on your credit report. Increases in your credit score is a by-product of those items being removed.
Here’s the breakdown of your FICO score:
- Payment History – 35%
- Credit Usage – 30%
- Age of Credit – 15%
- New Credit Accounts – 10%
- Mix of Credit Accounts – 10%
As you can see, payment history and credit usage (balances of your accounts vs credit limit) are the highest ranking factors in your credit score.