Let us repair your credit before your next big purchase
Good credit makes all the difference
Your life’s most important decisions will involve credit. Take control of it.
QUALIFY TO PURCHASE A HOME
STEP TOWARDS FINANCIAL INDEPENDENCE
BUY A NEW CAR
GET BETTER INTEREST RATES
QUALIFY FOR A BETTER JOB
GET ACCESS TO LINES OF CREDIT AND CREDIT CARDS
REDUCE STRESS IN YOUR RELATIONSHIPS
SAVE THOUSANDS OF DOLLARS EVERY YEAR
We increase your score by removing inaccuracies
Credit reports contain errors 79% of the time. The Bureaus must prove it or remove it.
LATE PAYMENT DELETION
MEDICAL BILL DELETION
TAX LIEN Deletion
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Phoenix Credit Repair
Why Does My Credit Score Matter?
If you are looking to purchase a home, refinance an existing loan, buy a car, extend financial flexibility through a line of credit or credit cards, start a business, or even applying for a new job then your credit score is going to be an important factor in accomplishing your goals. Most of your major life decisions will involve your credit history. Taking control of your score is the first step in assuring that these important moments are as favorable as possible for you.
Get a loan for a house
For most everyone, the purchase of a home is the single largest purchase they will make in their entire life. If you are looking to finance the purchase of a home through a FHA loan then you must have a minimum credit score of 500. That will meet the requirements to qualify for a loan with a 10% down payment. In order to qualify for the 3.5% down payment your credit score you need to have a score of 580 and many lenders will require 600+. The median home value in 2018 for the Phoenix metropolitan area is roughly $250,000. The difference between qualifying for 3.5% down vs the 10% down program means bringing an extra $16,250 as a down payment. Better credit scores also correlate to getting a better interest rate on home loans. Boosting your score 100 points could mean the difference of .25% on your interest rate. That might not sound like a lot, but on a $250,000 loan over 30 years that .25% (5.25% vs 5%) will save you $13,844.
Obtain credit cards or a line of credit
Just like any other loan your FICO score will affect your ability to acquire credit cards or lines of credit. These products can be used to finance the starting of a new business or even a larger scale home improvement project such as adding on to a house or renovating the interior. If you already own a home that has equity in it you may look for a home equity line of credit (HELOC). A HELOC will show up on your credit report similarly to any other revolving credit such as a credit card. You may also want to consolidate debt using either a transfer to a new credit card or paying it through a HELOC.
Buy a new or used car
Financing for a new vehicle is often very heavily dependent on your FICO score. Many dealers will have special financing options available only to people with high credit scores. The specific car you want may or may not be within your ability to obtain financing. However, taking control of your credit history is a good start towards getting the keys to that new car.
New job screening
Even when applying for a new job your credit history could be important. Your credit history might be checked to see if you are responsible with your finances and can be trusted with managing company money. A history including a lot of high debt indicators may also give employers the idea that your employment comes with a higher risk of fraud or theft. Industries that include security clearance or handling sensitive information are more likely to have a credit history component in the application process. These types of checks won’t affect or show potential employers your credit score. They receive a modified version of the report without information such as date of birth, marital status, and FICO score number.