Negative accounts such as bankruptcy, tax liens or accounts that have gone to collections and foreclosures. However, as these accounts age you may likely see a substantial increase in your score when these items age. Due to the face that their importance fades over time. Late or missed payments, will still negatively affect your score sometimes up to 100 points or more.

Restore your credit

Whether it’s paying off debts or getting fraudulent charges removed from your credit report, there are several problems to address that can help you improve your credit score. The first step is to review your credit report to see where the problems are. Credit Services of America have the tools to assist with properly pulling your credit report and Identifying the issues at hand.

Once we have identified the problem areas, we take action. Credit Services of America works with all three credit reporting agencies; Experian, Equifax, and TransUnion. We have a dispute process in place to find errors or other mistakes. Even if late payments are mistakenly reported.

Building Your Credit

This is key to raising your score. We offer trade lines that can average a boost in your credit score anywhere from 10-60 points although we have seen up to 180 points. These Trade lines along with other products we recommend can significantly raise you score while the repair process is in place.

When you have revolving accounts we recommend keeping credit card balances at less than 30%, and ideally at less than 10%, of the credit limit to boost credit standing.

A Goal without a Plan is just a Wish. Give us a call TODAY at 844-FIX-URCR or click on the following link to schedule your FREE consultation and create your personalize plan to achieve your credit and debt GOALS!

*Individual results may vary. Please call for more details and to discuss your own individual situation