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Check out the state of the art and secure technology we use to raise credit scores.

What's a Credit Report?

Learn what is, and what is not, included in a credit report.

Is it possible to improve credit scores in 30 days or less?   YES and our credit services will empower you with the knowledge to make it happen. Having a 640 credit score or higher is not as hard as you may think.


How a low credit score can cost you: - A low credit score hurts your ability to get loans, and raises the cost of credit when you can get it.  Our credit services can help make a difference in the following areas:

  • Employment Opportunities -  Minimum credit and score requirements for many positions.  Employees in the mortgage banking and financial service sector now must meet higher credit score requirements.   
  • Insurance Rates -   Up to 70% higher insurance rates with poor a credit score.  Average credit can cost you 10-50% in higher premiums. 
  • Purchasing or Refinancing a Home -   Minimum credit score requirements continue to rise and higher rates or fees for lower credit scores.  Many lenders now require a 640 Credit Score. 
  • Credit Cards -   Higher rates and lower limits, assuming they will approve you
  • Checking Accounts -   Many Banks and Credit Unions now have minimum score requirements 
  • Buying a car -   Higher rates will raise your payment, which in turn lowers the amount you can qualify for
  • ...and More


It is possible to Improve Credit Score in 30 days or less and our credit services will help make it happen! 


Is a 640 Credit Score high enough?

A Credit Score of 640 will allow you to get a FHA loan but not a conventional loan,  you must have 20% down then.  To put less than 20% down down on a conventional loan you need a 660 score or greater, 640 will not work.  Even with a 640 credit score you will pay a higher rate on a FHA loan.  The point is this; a lower score costs you and your family, your goal and ours is to get your credit score up to 720 or higher. 

Over your lifetime, a poor credit score can cost you hundreds of thousands of dollars.  Enter in a FICO score and a Loan Principal below to see how much a poor FICO score can cost you on just your mortgage.  If you are a home owner or looking to buy, increasing your FICO score is the most important thing for you to do.  A better score not only means lower payments, but can mean a bigger house, the chance to take out more money on a refinance, or even the difference between being simply able to buy altogether.  With our credit services it is possible to Improve Credit Score in 30 days, call today to find out how.

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