Credit Repair may not be for you. However, you may need to enhance and increase your FICO scores. Not everyone has a low FICO score because of bad credit. FICO scores are derived from several factors and range from 300 – 850 points.
Are your FICO scores hurting you and your chances of:
- Buying a home?
- Purchasing an automobile?
- Qualifying for a loan?
- Obtaining credit cards?
- Getting the best possible interest rate available?
If you answered yes to anyone of these questions, you need help. Enroll today. We can help you increase your FICO scores. Our FICO improvement program includes:
- Credit report analysis from all three credit bureaus
- Game plan for increasing your scores
- Step-by-step procedures
- Hands-on support
- Tips, tricks and secrets to increase your FICO scores
- 90-day program, which includes re-evaluation of reports
“I was in the market to refinance my home. My credit was good, but my FICO scores were low because of other factors. I was not able to qualify for the best interest rate. With Deborah McNaughton’s help, I was able to raise my FICO scores 80 points within 30 days and move forward to complete my loan with the lowest interest rate offered.”
- Mark E.
“I came to Deborah to evaluate my credit situation for a home loan. It wasn’t until I received a copy of my credit report that I found one of my lenders reporting a notice a default/foreclosure on my report. Deborah gave me the tools to have it removed, which increased my score 150 points and allowed me to complete the loan. Thank you Deborah!”
- Andrew W.
Credit score percentages are derived from: payment history, amounts owed, length of credit history, new credit, and types of credit used.
Payment History: 35%
Your credit score will increase when you make your payments on time. Late payments can result in lowering your score.
Amounts Owed: 30%
The ratio between the credit limit available and the balance on your card could negatively impact your credit score if the balances are too close to your credit limit.
Length of Credit History: 15%
Keeping your oldest accounts open and in good standing can help increase your FICO score.
New Credit: 10%
Do not open several new accounts. This will negatively affect your credit score. Also, too many credit inquiries can hurt your score.
Types of Credit Used: 10%
Having a mix of credit cards, loans, and different finance accounts make up your credit score.
