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Monday, July 7, 2014

Helping you achieve your credit repair goals through expert advice

Helping you achieve

your credit goals

I want to thank Improve Credit, LLC for helping me through my financial crisis. When I first started with Improve Credit my score was 548. After the credit restoration process my score increased over 150 points within a 6 month period. She gave me specific instructions on how to fix my credit and increase my score. She also helped me by providing assistance with their programs. I never thought that my score would ever be high enough to qualify for a loan, but it is. My score is now 698, and I am so proud!  Thank you Improve Credit for being honest, and for your hard work Improve Credit, LLC is the best and honest with their customers. I will recommend all of my friends, and family members for their services.


Candido Gonzalez



Having access to your credit scores with each credit reporting agency will prepare you with a before and after picture of your credit existence. When you pull your “Soft” pull credit scores keep in mind that these scores can differ anywhere from 10 up to 20 points higher, or 10 to 20 points lower than your “Hard” pull credit scores. A “Soft” pull credit report and score is when you order your very own consumer report either directly with the credit reporting agencies or by a third party company. A “Hard” pull credit report and score is when you allow a credit card company, or a lender to pull your credit report for their credit card or lending services.

Getting the most from our research analysis

How is a credit scoring model developed?

The credit scoring model is purchased by creditors, and lenders. This scoring model selects a random sample of customers’ credit report profile or a sample of similar customers’ credit report profile, if their sample is not large enough, and analyzes it statistically to identify characteristics that relate to creditworthiness. Each factor is assigned a weight based on how strong a predictor it is of credit risk.  

These are a sample of weight based risk factors:

·         Payment History
·         Amounts Owed
·         Length of Credit History
·         New Credit
·         Mixture of Credit

Each creditor or lender may use its own credit scoring model, or may even use a generic model developed by the credit scoring company. A credit scoring model awards points for each of these factors to help predict the likelihood of repaying a debt, taking control of how much is borrowed, and establishing a good payment history pattern. A description of these credit scores can vary from 300 up to 850. Did you know that only 10% of the population have an 800 score or above? This credit scoring method is a snap shot of what creditors, and lenders are basing their approval process.  Before applying for credit or a loan talk to a Credit Card Company or Lender and ask questions regarding their credit score requirements. This will prepare you for their credit or lending services.  

Your Consumer Rights:

Under the Equal Credit Opportunity Act, a credit scoring system may not use certain characteristics like – race, sex, marital status, national origin, or religion – as factors. However, creditors are allowed to use age in properly designed scoring systems. Any scoring system that includes age must give equal or better treatment to elderly applicants.

The Power of Knowledge
Copyright&Copy; 2014,Wanda Strickfaden
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Posted By Wanda Strickfaden