The Financial Consultation Services You Can Trust....Period.

1. Personal information
2. Negative Accounts
3. Positive accounts
4. Public Records
5. Inquiries
6. Consumer Statements and Furnisher/Creditors Contact information

1. High Balances
2. Late payments
3. Charge offs
4. Repossessions
5. Bankruptcy
6. Judgement & Liens
7. Inquiries
8. Foreclosures
9. Public Records

Low Balances, Aged accounts (with positive credit history)

FYI: Your credit score is your financial reputation. There are many different types of credit score. Thousands of companies sell their own whitelabeled credit reports and most use their own scoring models, so the score you get from one place to the next will typically be different. Regardless, the scores are intended to help you gauge how good or bad your credit is, but more importantly it's to help banks, lenders and other companies make complex, high-volume lending decisions.

How scores calculated:

35% - payment history: Negative information

30% - Debt: How much and what type?

15% - Length of Credit History: This is how long you've had credit

10% - Credit Diversity: This is the different types of credit experience you've had

10% - Inquiries (hard): This is when a creditor checks your credit report

Keep in mind, there are many other types of credit scores, each one uses its own scoring model.

Soft inquiries don't impact your credit and can't be seen by anyone but you. Hard inquiries do hurt your score. Keep in mind, inquiries only stay on your report for 2 years. Any Loans or Leases are your hard inquiries. Any inquiries that are not falls under Loans and Leases, considered as your soft inquiries. FYI: Credit Time Clock: Derogatory accounts can stay for 7 years from the Date of First delinquency Soft Inquiries can stay for 6 months Hard inquiries can stay for 2 years Unpaid Tax Liens can stay indefinitely Chapter 7 Bankruptcy is 10 years from the date filed Chapter 13 Bankruptcy (also called a repayment plan) can stay for 7 years from the date of repayment plan ends Public records such as judgments and child support take 7 years Closed or Inactive accounts generally fall off after 10 years **Sometimes, errors are made and often creditors or debt collectors will purposely report false "status" dates in hopes of keeping items on your credit report longer - and that is why most consumers/clients seek credit improvement through a financial education service.

1. Stop applying for credit
2. Do not close any accounts (this also lowers your score)
3. Pay your credit cards down to below 25% of the available credit line.
4. Never spend more than 25% of the available credit line, even if you pay the balance off in full each month.
5. Pay your bills on time