Improving Your Credit Score

The benefits of an improved credit score are numerous. When a lending agency runs your credit score, they receive reports from 1-3 different bureaus. Each bureau reports largely the same information and this information gives the lending agency a picture of your credit worthiness. To sum up their risk, lenders specifically look at your FICO score. FICO Scores range from 300-850, with the higher the score, the less risk assumed by the lender. Ideally, you want your score to be above 680, or you are likely to pay much higher rates on your loans, if your loan is approved at all.

Benefits/Facts

If you are reading this, then you are probably aware of the penalties of having a lower credit score. However, you are likely also looking for ways to improve your credit score so that you can enjoy the benefits of “cheaper money.”

The following article shows the importance of good credit on various loan packages: The Importance Of Your Credit Rating

As you can see from the table, an improved credit score can save you substantial money over the short and long term:

For your free consultation, contact our credit experts by calling 888-264-3040 or by using the Contact Us form.

Some often asked credit score questions are listed below:

Are we breaking the law?
No! This system has existed for years, and was even addressed in the 1974 Equal Credit Opportunity Act. The parameters may change in the future, but for now, this is a completely legal way to help the consumer. The following article shows you that this is a legal and accepted way of improving credit scores: FICO 08 will score authorized user accounts

If I purchase, how long before I see an increase?
Typically, our clients see increases within 60 days, but often the increase takes place in 30 days or less. If the tradelines do not post on your account within the 90 day contract period, we will refund you 100% of the purchase price of your tradelines.

How long will my improved credit score remain on my credit report?
The improvement will reflect on your credit report for years, as long as you maintain a satisfactory payment history. However, once your score has increased, we may remove you from the authorized user account.

What if nothing happens and my score doesn’t increase?
If you do not see an increase, you do not pay a dime. We back our products with a 100% money back guarantee. The system works!

Do you have to access my credit report before we can proceed?
Yes, we do. However, if you do not wish for us to pull your report, you can provide us with a recent copy that you already have. We will not pull a report without your consent.

The credit experts at Credit Score Advance have perfected the means to efficient credit score improvement. We work with numerous investors throughout the nation who provide us with exceptional credit tradelines that we use to help people just like you.

See the various credit improvement packages we offer: Services / Pricing.

For your free, no pressure consultation, contact our credit experts by calling 888-264-3040, by email at Credit Score Advance or by using the Contact Us form.

• FICO Update

  The following article shows you the "FICO 08" credit scoring model:

  On July 31, Fair Isaac announced that its latest credit-scoring model, dubbed "FICO 08," will include authorized user accounts when calculating someone's FICO credit score.

  The company estimates that 50 million consumers are "legitimate" authorized users on someone else's credit card. Legitimate authorized users, such as spouses, parents and children, have relationships with the primary accountholders and reasons to share access to the accounts.

  Fair Isaac's announcement should please consumers whose credit histories largely consist of authorized-user accounts.

  Link to story:
  
  FICO 08 will score authorized user accounts