Established in New Orleans
+1 (504) 788-2811
Your credit rating impacts you in more ways than you know and will affect your lifestyle. Our process helps remove inaccurate and unverifiable information from our client’s credit reports, giving them the chance to find their financial freedom.
WHAT IS A CREDIT SCORE AND HOW IS IT CALCULATED?
A credit score is a number that reflects the information in your credit report. The score summarizes your credit history and helps lenders predict how likely it is that you will repay a loan and make payments when they are due. Lenders may use credit scores in deciding whether to grant you credit, what terms you are offered or the rate you will pay on a loan.
INFORMATION USED TO CALCULATE YOUR CREDIT SCORE CAN INCLUDE:
The number and type of accounts you have (credit cards, auto loans, mortgages, etc.);
WHAT CAN CAUSE MY CREDIT SCORE TO CHANGE?
Because your credit score reflects the information in your credit report, changes to your credit report may cause your credit score to change. For instance, if you pay your bills late or incur more debt, your credit score may go down. However, if you pay down an outstanding balance on a credit card or mortgage or correct an error in your credit report, your credit score may go up.
HOW CAN I GET MY CREDIT SCORE?
In some cases, a lender may tell you your credit score for free when you apply for credit. For example, if you apply for a mortgage, you will receive the credit score or scores that were used to determine whether the lender would extend credit to you and on what terms. You may also receive a free credit score or scores from lenders when you apply for other types of credit, such as an automobile loan or a credit card.
YOU MAY ALSO PURCHASE YOUR CREDIT SCORE FROM ANY OF THE CREDIT BUREAUS BY CALLING THEM OR VISITING THEIR WEBSITES.
Equifax: Call 1-800-685-1111 or
Experian: Call 1-888-397-3742 or
TransUnion: Call 1-800-493-2392 or