Credit Improvement Report Service
Credit is the basis with which most purchases are made; most hiring is examined; insurance is placed and all loans of any type are calculated, especially property lending.
Your Credit Score is determined by 5 important factors, and these factors are constantly changing, thus your credit score is changing monthly. Your Credit Report is compiled by three (3) Credit Bureaus: Experian, Equifax and TransUnion.
Each bureau assigns you a score based on the factors of your monthly spending habits versus your monthly income. No one company has to report to all of the bureaus, but once they do, they must comply with all the Federal and State Laws for reporting your credit to a Bureau.
That Bureau must the comply with all the Federal and State guidelines and laws to protect your information so that it is used only for the purposes as described in the Laws. First and foremost, your privacy must be protected. But to ensure that privacy, please notify the Bureaus via the OptOut law (www.optoutprescreen.com) and section in this website. Just click on the words Opt Out and you will be guided through the “Opt Out” provision provided for your ‘privacy protection’. Only your permission allows your credit/credit report to be viewed and used and the purpose for that use must be specific and narrow in scope.
The Credit Counseling Session provides important information on establishing credit. It explains to you how good credit is made and maintained. Plus it gives you the “Tools” to report your credit so that you may move-on with your life in a quality manner. It is one thing to have poor credit, but it is another to continually have bad credit. Credit Counseling provides you with all the information as to what credit is, how information is compiled and how to improve your scores to have good credit and in a timely fashion.
Bankruptcy is covered in the credit session, plus the differences between bankruptcy type and laws. How they apply; when to use them; what are the advantages and disadvantages of them. How long do they effect your credit and your life decisions.
Credit Counseling is important for the new home buyer to be informed and then be able to maintain that mortgage, effectively.
