REBUILD REPAIR RESTORE LEVERAGE YOUR CREDIT
Although it doesn’t define you, your credit can prevent you from fulfilling your potential. You can go back in time with your credit using 360 CUSTOM CREDIT repair services and finally move on with your life.
One of the fundamental building elements of a successful organization is an excellent credit rating. Our credit repair and credit consultation services will help you identify important issues, give you strategies to resolve them, and offer dependable possibilities to funding your goals, whether you’re starting a new venture, looking for funding to support your business during a downturn, or planning expansion.
What Is Credit Repair?
Credit repair is the process of addressing and removing any negative items on your credit report. Did you know that millions of Americans are victims of inaccurate or unfair negative items that cause their score to be incorrectly reduced?
CREDIT REPAIR BENEFITS
Bad credit can waste
a lot of your time,
energy, and money.
When you work with 360 CUSTOM CREDIT, we will assist you in repairing your credit profile so that you can reap the benefits of having a good credit score and credit profile!
Lenders use a risk-based pricing model to determine the interest rates charged on a loan. Low interest rates and little to no down payments are associated with good credit. It also means that no security deposits are required for things like utilities.
Your borrowing capacity is determined by your income and credit score. One advantage of having a good credit score is that banks are willing to let you borrow more money because you’ve proven that you repay what you borrow on time.
Insurance companies develop your insurance risk score using information from your credit report and insurance history, so people with low credit scores are often penalized with higher insurance premiums.
Credit scores are now being used by more landlords during the tenant screening process. Poor credit can seriously hurt your prospects of renting an apartment, particularly if it’s brought on by a prior eviction or unpaid rent. You can avoid the time and stress of looking for a landlord who will accept renters with bad credit by having a decent credit score.
Your ability to negotiate for a reduced interest rate on a credit or debit card or new loan depends on your credit score. You can benefit from other appealing offers you’ve received from other businesses depending on your credit score if you need more negotiating leverage. You won’t have access to other credit offers or options if you have a low credit score because creditors are unlikely to modify the terms of your loan.
Say Goodbye To Your Bad Credit Score
We are experts in the entire credit repair procedure. The following negative items will be removed from your credit report with all three credit agencies (TransUnion, Equifax, and Experian) by our team of trustworthy, FICO-certified credit experts:
Medical Bills
One medical debt that is in collections might lower your credit score by up to 100 points. After the debt appears on your credit report as unpaid, it could take up to seven years for it to disappear.
Reposessions
Repossessions can show lenders that you might not be able to make payments on the property you buy and have a very negative effect on your credit.
Child Assistance
Like any other debt, unpaid child support can be turned over to debt collectors or a collections agency. Your credit score will reflect the late payments.
Collections Accounts
If you are unable to make your payments, the lender or creditor may sell your account to a debt buyer or turn it over to a collection agency.
Credit Checks
When you apply for a credit card or loan and authorize the issuer or lender to verify your credit, a credit inquiry takes place. Both hard and soft queries are made.
Bankruptcies
A individual or business who is unable to pay off their outstanding debts may file for bankruptcy.
Tax Liens
In 2018, tax liens' reporting ceased. Some individuals, though, can still see previous tax liens reported on their credit scores.
Public Records
Anything that businesses would perceive to be a legal liability is public record. Your credit report will often reflect it.
Inaccurate Information
Your loan or credit applications could be rejected if they contain inaccurate or outdated information, such as your previous addresses or employers.
The Numbers
We’re only as good as the results we achieve for our clients.
Speak To A FICO Certified Credit Specialist
YOUR PERFECT CREDIT SCORE IS ON THE WAY!