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  When getting ready to purchase your first home, there are smart steps you should take to get the most out of your money and reduce room for mistakes.   Smart Step 1 – Examine whether it is the right time or not for you to buy a home. Determine your budget and personal criteria […]

When your credit gets pulled, whether from a cellular service provider, a car dealership, a mortgage broker or anyone else, your credit score is going to drop. This is called a hard inquiry; A hard inquiry will hurt your credit scores by 3 to 9 points each and will stay on your credit reports for […]

  What is rent to own? When in a rent to own agreement, the owner of the house is agreeing to sell the house on the market to the buyer at some point, but not immediately. The person trying to buy the home would be renting every month and paying additional dues towards lowering the […]

What is Identity Theft? Identity theft is the use of another person’s identification, usually with the goal of taking unauthorized financial advantages. The victim of identity theft is held responsible for the perpetrator’s actions. If you’re a victim and are unsure of what step to take next, we not only dispute all your negative items […]

  Is a paid collection better than an unpaid collection? Whether you pay a collection or not, it will still be on your credit reports for at least seven years, unless it gets disputed off otherwise. The only benefit of paying off a collection is that once it is deleted, it cannot come back onto […]

                You’ve probably been taught all your life that since student loans are given from the government, that there is nothing that can be done to get them removed from your credit reports besides paying them off. Not true! We dispute and clear off student loans from our clients reports all the time. You may […]

As you may have noticed, your credit score can change daily. There are many factors that make up your credit score from what shows up on your reports, to your credit usage habits. Your credit reports are calculated by the credit bureaus and you are left with a score which holds your financial reputation. Inquiries […]

What Can I Do About Credit Reports Errors? What most people don’t realize is that credit reports can sometimes contain many errors. Fix Credit report errors ASAP before they get worse. It has been suggested that credit reports today contain almost 50% of errors. That’s a lot of mistakes and these errors can be destroying […]

As a consumer, you need to know that you are paying a reputable credit repair company.  What is the first thought that comes to mind when hearing the term Credit Repair?  Billions of people in this country are exposed to these very types of pop up ads, commercials, and hear the promises of firms that guarantee […]

Happy new year! How’s that gym membership working out for you? While the world around you continues to break the promises they made to themselves, how about doing something that doesn’t take a lot of effort but will deliver value well into the future? If you have been thinking about what you can do to […]

Considering Bankruptcy? Considering Bankruptcy? Bankruptcy is the process of declaring to creditors that you cannot repay your debts. If you do not see a way to do it in the near future, keep reading. The decision to declare bankruptcy, however, is a big step and should not be taken lightly. Some people will have alternatives […]

Best Credit Repair in Miami We offer the  Best Credit Repair in Miami. We are proud of our perfect Five Star reviews on YELP.Our commitment is to clean your credit report and increase your FICO score. To get approved for financing, you need a high credit score, but improving your credit score has a lot […]

Home Loans For Bad Credit Home Loans for bad credit are out there.  Search hard enough and you will find someone to rake you over the coals.  Remember there is a sucker born every minute and predatory lenders know it. How Much Will Bad Credit Cost You Over the Term Of A 30 Year Home […]

How is your credit score calculated? What you don’t know WILL hurt you.  Many Americans go through 4 years of High School and learn (or don’t learn) a lot of information.  History, science, algebra and most likely a whole bunch of non-sense that will NEVER be used to benefit them in real life. The average […]

Bad credit loans are in high demand. And if you do any research on “bad credit loan”, you’ll find plenty of advice on how to get the lowest interest rate. You’ll also find plenty of people willing to give you a bad credit loan, but you’d be making a mistake to accept it. Unfortunately, most […]

10 tips to improve your credit score 1. Payment history: 35% The biggest factor influencing your score is whether or not you pay back your debts on time, whether it be from a credit card or student loan. Being 30, 60, or 90 days late on a payment can put a big dent in your […]