I have been served by a debt collector, what can I do?

Court Summons

Even though we suggest you do not pay debt collectors outright, we also suggest you never ignore them. This goes double if they are in your state. Debt collectors in your state are more likely to take you to court. This is why you must answer their letters immediately and actively.

If you ignore a debt collector that is in the state, they will most likely raise the amount they feel they owe you. They might do this multiple times. I have seen a literal 89 dollar debt “become” 389.00 from ignoring their letters. Other language to beware of is if they say in their letters they will take you to court. They would love nothing more than to take this inflated debt to which you have signed no agreements and get a judgment and than garnish your wages. One tactic I always suggest is to attempt to pay the originator of the debt. Once you have paid them to head to court with this receipt. This will shut the case down and probably cost you much less than if the debt collector wins.

After you have received the summons, the first question you have to ask is would it be better to call them and pay them off immediately. Hiring an attorney can be cost-prohibitive for a small case like this. If you are getting sued for $389, do your self a favor and call them up and put the charge on your credit card. Most debt collectors are not in settling mode once they have done an affidavit. Still, that doesn’t mean you shouldn’t attempt. You are just not going to get the deal you would have earlier when they first sent you letters. This is a reason you should always respond right away when sent a letter from them.

Once you receive the summons you have basically 4 options. We already discussed hiring an attorney. You can also hire a paralegal to do the answer paperwork for the summons. You will still have to represent your self if court if you take this path. Still, representing yourself is much better than not showing up at all. There are various books on Amazon you should read beforehand to help prepare yourself.

In Utah, we also have Legal Clinics that can help you with the answer paperwork also. This can take away the cost of the paralegal doing the paperwork. In Utah, we are also lucky enough to have an online assistance program to help you through the paperwork. This last option is easy enough if you make sure to read all the instructions. If your not the kind of DIY person that does your own taxes, then you should probably hire someone to do this paperwork.

Your goal in all of this is to keep from having a judgment made against you. Making sure you attend that court date will help prevent this from happening. Don’t show up to the court date empty-handed. Take as much evidence as you possibly can to prove that this is not your debt.

You should have taken notes with your interactions with this debt collector and the original creditor. If you have a lack of evidence, it might just be better to outright pay the debt. Still outright paying the debt instead of going to court the debt collector still might pursue a default judgment leaving you with having to purse a vacated judgment. Ensure if you pay that they give you the paperwork dismissing the original affidavit or at least a document saying they will. Debt collectors have even been known to show up, make deals with the defendant and still pursue a default judgment.

Do you still have a judgment on your credit report? Chances are this is hurting your credit score. Contact us today at Wasatch Smart Finance to get this erased from your credit report.

My medical bills are out of control what can I do?

Medical Debt

We at Wasatch Smart Finance are not fond of the medical industry, nor are we fond of medical billing practices. We feel between medical institutes and insurance companies this “business” sector could not be more confusing. Not only that what the industry gets away with, taking a stab in the dark at what’s wrong with you usually getting it wrong and still get to charge a hefty amount? Think if your car mechanic behaved as your doctor did?

How many of you received a bill from a medical institute and it was way more than what you thought it should have cost? How many of you received a bill and you thought the bill was outrageous or even worse you received a bill because your insurance company came up with a bogus reason not to pay it. The last thing you ever want to do is ignore a bill from the medical institute, the earlier you address it be the more favorable the outcome will be for you.

When you get to a medical institute for treatment let them know right away that want to know how much everything is going to cost upfront. Many medical facilities try to assist with keeping this transparent and have financial counselors to help you weed through the confusion. Ask to see one, ask them to commit to the price of what things cost. Take a video of the counselor saying exactly what things cost. Another step might be to see what type of financing they have available. Ensure this financing is zero percent financing.

Another idea is to check upfront for medical institutes that use upfront pricing. Here is a startup called HealthCare Bluebook. They try to refer you to providers with upfront pricing and could save you hundreds to thousands in charges if you are paying out of pocket. They even have a mobile app you can use. My own costs for similar procedures in the same metro area with different hospitals differed greatly.

If you have insurance, call your insurance company to find out why they did not pay any outstanding items. If you have met your deductible already and have a large bill, take the time to find out what their appeal process is for medical claims. Most of the time all you need to do is submit a letter explaining why you are expecting them to pay. This should be inside your Explanation of Benefits (EOB). Remember the denial is just a first out the door no to you. Most of the time insurance companies do not want the hassle of complaints filed against them and will do the right thing and pay the bill.

Often I have received a bill that had no itemized invoice. I am unsure why they think it is okay to send a bill like this. Call them and let them know you want the bill itemized. You want to know every single detail. Don’t be surprised when you receive that bill there are numerous items you never thought you would be charged for. Call or write to them and dispute every single item with that institute. If the individual charges are ridiculously priced let them know. Remember this bill is just a first request for payment. They get told no by insurance companies, why shouldn’t they hear it from you?

If you have had no luck with the insurance company or you just don’t have insurance, you are automatically paying more for the same services than someone with insurance is paying. One of the big problems with health care in America is the medical institute must throw a big bill at the insurance company to get them to pay a small bill. Sometimes what they charge is 2 to 3 times as much to get that small amount. After reviewing the bill you receive from the medical institute be prepared to send them a letter asking for a reduction of the bill to mirror what an insurance company would pay.

There are always discounts if you ask for them. I myself have often gotten a discount (20%) by agreeing to pay the same day when I call the medical institute. If the medical institute has been nonresponsive to your request or still has not given you a price you can afford, then there are medical billing advocates. The people know medical coding and will get your bill down and only request you pay them a percentage of what you had to pay the institute. Don’t hesitate to contact one of these if you are experiencing unusually large medical bills.

A lot of times all of this may seem intimidating. You may feel lost and feel like you need outside help. If you fear that medical bills are going to ruin your credit please contact us as soon as possible. We would rather assist you when things are early in the game instead of when the bill has been passed on to a debt collector. If you already have a medical bill on your credit report, it’s even more important to do a free credit analysis with us.

Don’t forget to check out one of our other articles related to debt collectors being licensed in your state.

Does a debt collector have to be licensed in my state?

Debt Collector

We would first like to mention one should always try to pay their debts. We also feel it is your best interest credit report wise and for your reputation to pay the originator of the debt. This is best for your credit report, credit score and general reputation. Still, there are many times that debt is unqualified, unfair, unverified, invalidated, created under false pretenses such as no upfront pricing or you just can’t pay it. What are your options after that? Let’s be realistic—no one has the time or money to take every bad customer experience to the court.

If a debt collector is from your state, he has much more options to address this debt if you were not to pay. He may even choose to take you to court. Always take more caution with debt collectors in your state. They can begin to raise the price of what you allegedly owe. Our advice with in-state debt collectors is to never throw the letter off to the side (or any debt collector). Our advice is to respond immediately to ask for proof of license, verification of the debt or a reason and proof why you do owe the debt. Responding to the debt collector immediately is always in your best interest.

Some have often attempted to say that the Fair Debt Collection Practices Act does not require them to provide verification of debts after their first letter. This is not true, always demand verification and state you can and will not pay until the said debt is verified. If he can’t verify it with you, how could he do it in a court of law? If the debt collector refuses to provide validation or verification of the debt, send him a letter denying him payment based on that.

You should always require the debt collector to prove the debt is yours. You should also ask for a copy of his license to collect debts in your state. If the debt collector does not have one then he may not legally collect debts in the state of Utah. If he is from out of state, he will most likely not have a license for the state of Utah. Sadly in Utah, the requirements to be a debt collector are rather low but licensure is still a requirement. In some other states, the requirements might be even lower. Our custom template letter for out of state debt collectors can be located here.

After asking to see the license and the debt collector fails to respond with a copy of his license, you should mail a letter to him denying him his right to collect the debt. Place a limit on the number of days in the letter and tell him to cease contact with the credit bureaus about this debt. Also, place language in the letter if he continues you will turn him over to your state’s district attorney and consumer protection group if he does not cease. Keep a copy of this letter in your records to show the credit bureaus or courts if the debt collector continues to pursue the issue. We advise never to threaten to sue unless you actually plan on doing it. The same goes for threatening to turn debt collectors into agencies if you do not plan to. We also advise sending all letters to debt collectors in your state with certified mail. This shows you are keeping an accurate record of communication with this entity. Once, a step further could also be a log of debt collector interaction. You want to keep track of how they interact with you in case they are violating the law.

Template letters can be found at the Consumer Finance Protection Bureau . Utah Courts also has some advice on how to handle debt collectors. If you don’t understand these letters, or ever feel overwhelmed by debt collectors contacting you or confusion about how this affects your credit report, don’t hesitate to contact us at Wasatch Smart Finance. We will come up with a plan to handle them, along with a plan for repairing your credit. While you’re here check the article on how to pick the best credit repair firm.

Baby Step 1 (emergency fund) and how to make it happen easily!

Dave Ramsey is famous in the personal finance world. We feel so many of his tips should be followed before you start credit repair. The most important of Dave Ramsey’s teachings is his Baby Steps. Even though some of them are quite hard to follow, baby step 1 is not. Baby Step 1 is creating an emergency account with a thousand dollars in it. Having an emergency fund is a wise idea. Having one should make repairing to your transmission easier when it blows or any other similar disasters. This should make it so you can use cash (debit card) instead of reaching for that credit card when emergencies happen.

Also, look at the stats from Bankrate.com on the chart below. It shows how many people have no emergency fund. Over 29% have no savings, 13% didn’t even know whether they had savings or not. These are scary stats to see how just one small problem could derail peoples lives.

Baby Step 1 (emergency fund) and how to make it happen easily! 1

Where should you place your emergency fund? Don’t use the same account as your checking account where your debit card is. This will make it too easy to swipe at that money instead of waiting for when things are financially challenging. We suggest also not using a local bank because most of them have horrible interest rates. You are probably asking well where should I place this money then? We feel both Wealthfront.com, Varo.com, and Marcus.com have some of the highest interest rates around. We also think its best not to connect your savings account to your checking account for cash transfers.

Where should I get this money? Well if you are even anywhere near tax time using your tax return for this is the best idea. Tax returns should be used for paying down debt or making an emergency fund, not for that vacation to Disney. What about if you already had to desperately use that tax return on an emergency or past debt. We suggest if you’re getting that big of a tax return to add another exemption on to your W-4. This will give you that extra money you need to start saving. Of course, if none of these is an option, driving for Uber or Lyft in your metro area for a couple of hours after work could build this fund. I recently tested this idea to see if it was reasonable. I was able to raise 64 USD in less than 3 hours.

When should you use that emergency fund? Only you can determine what is a true emergency. If you got into a car accident, then yes, using the emergency fund for your deductible would be meet those criteria. If you had a trip to the emergency room, this would definitely be a reason to use it and probably a primary reason for having an emergency fund. If your furnace dies in winter, this would definitely be something that you would tap that emergency fund for. The big question should always be, can I survive without using it? If the answer is yes, then don’t utilize the fund for thes issues.

We also want to add this, being one of your steps out of whatever current financial problems and issues you might have, you could be experiencing a lot of emergencies at this time do what you can to not raid the emergency fund. If you are having trouble making your finances work and getting to this baby step, please take a look at more articles in our Smart Finance Blog. Also, if you feel you could use financial coaching before you start credit repair please contact us. We feel that if we get your finances flowing right first, then credit repair will go a lot easier.

Should I use a CPN number to start a new credit profile?

Social Security Number , CPN Number

You are probably asking what is a CPN number? A CPN number stand for credit privacy number. Their main purpose is to give privacy to a high profile people such as celebrities, political figures and even people in the witness protection program the ability to hide their identity when applying for credit. So if people may apply for these numbers what actually makes CPN numbers illegal?

You are not required to put a social security number down on a credit application. It is a federal crime to misrepresent your social security number. People have gone to jail for using a CPN in lieu of their social security number. TIMATRESS TENAKA CADE, of Oklahoma City, did go to jail for using a CPN Number wrongfully. Part of the problem in her case was she purchased numerous items she had no intent on paying back. Using a CPN to purposely deceive retailers about your credit history is illegal. Even if someone was using a CPN number, they would have to let the credit institute know that their number was not a social security number.

You might ask what if I legitimately need a CPN number? We went to the Social Security Agency website to see where you could apply for one. They did not have a location but they did have a warning about them on their Office of the Inspector General website. It also discussed the charging for a CPN number, if anyone attempts to charge you for one this is illegal. Also, be very skeptical of any credit repair firm that uses this as a method of credit repair. Either way, if you did legitimately need one you should go the Social Security Office to ask them. You should not have to pay a fee for a CPN number. Also, when applying for credit let the creditor know this is a CPN and you will be using this in lieu of your Social Security Number.

Do not confuse an EIN number for a CPN number. An EIN is a Federal Employer Number for businesses. Yes, applying for credit with an EIN is legal but this if for business credit only. If you are a US citizen, using an ITIN is not legal, ITIN’s is for people who do not have a legal social security number, normally foreigners who have just arrived. Trying to use both these numbers in lieu of a social security number is still illegal.

From reading above, you probably have gathered this is not the way we will clean up your credit. Even if using a CPN Number in this fashion was legal, you would still have to start out creating credit on it. This would be like being in your 20’s and building credit from scratch. One of the important parts of proper credit repair is we don’t want to abandon tradelines that you have that are healthy on your credit report. In other words, this should take about the same amount of time to build credit on a CPN number as it would to legitimately repair your credit.

We try to stick the facts and dispute your credit based off of that. We try to assist you to create new credit that can be reported with credit agencies to raise your score. The biggest reason of all not to try the CPN number tactic is it doesn’t help your financial problems go away it just avoids them.

Good personal finance strategies attack your problems not pushes them off or away. If someone has tried to offer this as a way to repair your credit, don’t hesitate to contact us at Wasatch Smart Finance. We will come up with a plan to assist you in repairing your credit with methodologies that don’t break the law. While you’re here check the article on how to pick the best credit repair firm.

I have a secret clearance is good credit important?

Secret Clearance, Good Credit, Wasatch Smart Finance

When I was in the military, I had little knowledge of credit much less how credit affected my secret clearance. There were zero classes about credit and your clearance when I was in the military. If you’re in the military, more than likely you have a secret or higher clearance. These clearances get renewed every 5 to 10 years. Let’s face it most spillers of classified information have done so for monetary reasons. This makes the Department of Defense and other similar agencies vigilant that you have no financial issues.

There are a lot of military members that just are not really good with financial decisions. When I was deployed to Bosnia, there was a soldier who bought a brand new car with his deployment money, too bad that wasn’t enough between the car payments and insurance, he couldn’t afford the gas to go anywhere. This happens to a lot of service members, maybe this happened to you? Sometimes it’s credit cards, sometimes its bad checks due to being separated from their checking account, either way, all these small financial mistakes can add up.

If you have ever deployed, your mail gets forwarded to you. Still, there are times not all mail makes it to you. A missed bill could easily happen, these bills could end up with a debt collector. This same thing could happen if you PCS to a new location. Mail could just not catch up to you. Whether your financial issues were carelessness or just bad luck it’s best to get on top of them early.

What about becoming a victim of identity fraud? While deployed its very easy for someone to get a hold of your personal information and use it to gain access to your credit. Due to the delay in your mail, it might be a while to find out that someone has accessed and using your credit. Getting identity fraud off your report is easy but you must be truthful and be ready to do a police report. One way to prevent identity fraud while deployed is to freeze your credit report while deployed. Another way is to use credit monitoring to inform you if someone has accessed your credit.

Another credit issue that might turn up is giving someone a General Power of Attorney when they don’t need one. Who knows what kind of debt they could open in your name with this legal document. Do yourself a favor and stick with a special power of attorneys in all cases. Though while I worked as a legal specialist, we did not have any case where someone abused it, there always is a chance.

What can you do to check your credit report before it gets time to renew your secret clearance? Due to your secret clearance being part of your livelihood, you should head to annualcreditreport.com at least a year in advance of you having to do your SF 86. Once you have filled out the length of time for the investigation to complete could be anywhere from 6 to 18 months depending on the type of clearance. As you go through the 3 bureaus ensure you print that report to PDF (or save to PDF). This way you can go back and review what might be items that you need to dispute or at least have an explanation ready for the issue for your security clearance investigator.

What about judgments, bankruptcy, child support or foreclosures? These are all negative items that you have to report on your SF 86. Even if you can get them off your credit report, tell the truth and be honest about them to the investigator and make sure you are paying them off or will pay them off. Show positive action to the investigator and it will help out your chances with getting your clearance renewed. The positive thing about a clearance investigation is they are not focused on your credit score, they are focused on the discrepancies on the credit report.

If your credit report is not as good as you think it should be or you have confusion about how your credit report will affect your clearance, don’t hesitate to contact us at Wasatch Smart Finance. We will come up with a plan for repairing your credit to prevent you from losing your clearance. Contact us today and we will do a free credit analysis and we waive your first work fees and 10 dollars per month off if you are a military member. Also, if you are a civilian employee or contractor we can help you with your credit report also. While you’re here check the article on whether a secured credit card can help you.

When should I use a secured credit card?

secured credit card

In 2003, my credit was a mess. It had multiple marks from multiple issues. I owed to a school, I owed on a student loan and had bought a water bed that needed to be paid off. I know what you are thinking. Who the heck owns a waterbed it wasn’t 1970. On the serious side, I had zero positive accounts because I had not lived in the US for over 5 years. While I worked to get the negative items off my credit report, I also need to start putting positive items on my credit reports.

One of the first things I did was put 300 USD on a secured credit card with Wells Fargo. I used the card a little and paid it off every month. Just like any regular card you don’t want to charge more than 30% to it because if you do this will hurt your credit rating also. Even if you don’t pay it off every month you want to make at least double the minimum payment. It wouldn’t hurt to turn on autopay to ensure the card gets paid every month.

Secure credit cards can also be great if you are new to the world of credit and no one will give you a card. They are especially great when you have had a bankruptcy and no one will give you credit for you to start rebuilding yours. They are also great when you are young and you have no way to build credit.

When do secured credit cards not make sense? If you already have active credit cards that might have late payments on them you probably don’t need a secured credit card. Instead, you should dispute those late payments or try to ask the credit card company to delete the late payments. If you have at least 3 credit cards, you don’t need a secure credit card either.

We have worked with creditcardbuilder.com to bring you a great deal on a secured credit card. This is a MasterCard card and reports to all 3 bureaus. You need a minimum of 200 USD to open it. We recommend this card because it does report to all 3 of the credit bureaus. This will help in getting your score raised across the board. In fact, with just one positive tradeline like this, you could possibly get your score raised as much as 50 points.

Do you have questions about secured credit cards or your credit score in general? Don’t hesitate to get a hold of us so we can do a free credit analysis with you.

I don’t have a budget, where should I start and does credit repair even matter if I don’t have one?

Budget

Our primary business, of course, is credit repair, but credit repair will never be successful without a good budget. Would you believe that less than 33% of all people have a budget? A positive financial picture extends beyond “good credit”. Good credit is usually just a symptom of a positive financial picture. The best positive financial picture is a surplus of money every month and the best place to start with is a good budget. I usually use Excel to start mine, but if you don’t have Excel remember Office Libre and Google Docs are free. In fact, I placed a template on Google docs to share with you.

Let’s go line by line through the budget I linked you to.

  1. Rent/Mortgage: This is everybody’s major expense. It should be paid first because it is the hardest one to pay. Also, no one wants the hardships that come with not paying rent.
  2. Car Payment: Your car gets you to work. This one needs to be paid next. If you don’t have a car payment, put money in your emergency savings account for you next car.
  3. Groceries: I usually have one line item for groceries and as I shop at different grocery stores I subtract from the main grocery line item putting less in that line item and keeping track of my whole grocery spending.
  4. Right below Groceries is Costco which let’s face it is mostly food items. Replace with Sams club or any other warehouse club you might belong too. Take a list of what you need it’s easy to stock up on stuff you don’t need at these locations.
  5. Restaurants/Fast food and Bars, This is where all your convenience eating should be whether it is going to a nice 5-star restaurant or Taco Bell place it in here. This is a good place to put entertainment that might be combined such as bars, of course, delete this part if it is not relevant or if it is, make it it’s own line item.
  6. Credit Card. We all know credit cards are not beneficial but whatever your minimum payment make sure to stick it on auto-pay to ensure you don’t have late payments. Make extra payments when you can.
  7. Gas Vehicular: Gas for your car is not cheap. Especially if you commute. This should be an average of gas used for your vehicles.
  8. Electricity: I would line item every single one of your utilities. Put the most expensive one at the top.
  9. Gas House (Natural): Most of us use natural gas to heat our houses put this line next. Of course, if you use propane or something else swap this line item out.
  10. City Utilities: This is where I put my city utilities like water and trash that are managed by the city.
  11. Car Insurance: Car Insurance is usually a monthly bill if you pay it every six months place it in here then
  12. Internet and Television: I usually combine Internet and Television together as most people purchase these together. If you have them from different providers make each one its own line item.
  13. Netflix: We all have Netflix its a low cost but all subscriptions should be tracked on their own line items.
  14. Hulu: My cable TV replacement they brought the price down to 5.99.
  15. Redbox: We have started doing movies from them since Netflix Blu rays was not making it back one time.
  16. Timeshare/Vacation: I have a timeshare that I pay monthly maintenance. Either way, you need a vacation once a year save for that vacation on a monthly basis to take the bite out of it.
  17. Amazon: The thing about Amazon there are some products that can only be found here. Track your total Amazon purchases together from the beginning of the month. Make a separate line item for each purchase.
  18. Activities: Whatever activities you do whether it be mini-golf, real golf, skiing or movies they should be tracked. If there are many give them there own line item.
  19. Medical (Prescriptions): If you have reoccurring medical costs make a line item for them.
  20. Emergency Fund: Everyone should have an Emergency Fund put something in this every month.
  21. Vices: Whether you head to the liquor store or the candy store make a line item fo

This is not an all-encompassing budget. You might have additional lines or items to place in here. All of your expenses might be more than what you have incoming. It doesn’t matter the first step in the right direction is to sit down and find out what your expenses and income are. We will post more in the future how to shave this off.

Do you share finances with a spouse or other loved one? Spend the time to go through the budget with them monthly. Get an agreement on how things should be spent should create greater harmony throughout your household. Use your Google Drive to share the file with them so you can update it live to ensure you are aware of what the other one is spending.

Let’s hope this article inspired you to create a budget. credit repair is important, If you have bad credit then you pay more for loans. Having a good budget along with good credit will help bring that total Financial Health Picture. If you have questions about your budget and credit repair don’t hesitate to call or contact us at Wasatch Smart Finance. Check out this great article on whether CPN Numbers are legal!

Don’t make these mistakes when looking for the right credit repair agency!

credit-repair

There are more and more credit repair firms every day. There are some that are even getting sued! How can you pick one that properly assists you in getting a better score? How can you separate the wheat from the chafe? We have some advice on how to pick the best credit repair company.

The first thing you should do is to check your state’s division of consumer protection. Most states require that credit repair agencies be permitted in that state. If they are not permitted, they more than likely are not bonded either. If they are not bonded, they are not protected from actions taken against them by customers and with one small lawsuit could disappear overnight. Stick with an agency that is permitted and bonded in your state.

Another feature you should look for to find a legitimate credit repair company is to check if they are certified. Certification in any discipline shows that people have taken classes or exams in their field of discipline. One known certification is the Board Certified Credit Consultant. You can even go to the Boards site to check on their members to see if they have an A or F rating. This is not the only certification but it is highly recognized throughout the field.

Can they advise you on how to handle debt collectors? Debt Collectors are ruthless and constantly violate the Fair Debt Collection Practices Act (FDCPA). They should be able to explain your rights to you and how to best interact with them to prevent further damage. Many of the well-known agencies don’t even touch this aspect in credit repair and we ask how could you not?

In addition, looking for a local credit repair agency that will meet with you in person if you so wish is another important feature. If they can’t meet with you in person, they should at least contact you every 45 days to discuss the action that happened on your last round of disputes. Another reason to pick a local credit repair agency is they will be more in sync with the local laws related to credit bureaus, creditors and debt collectors. Often in-state debt collectors can be more aggressive and a local credit repair agency will be affiliated with a local credit repair attorney if you do need one.

One of the first signs you picked the wrong group to work with is you will not receive notifications from the credit bureaus every 30 to 60 days. If they are disputing for you, they should have you turning over those notifications to them so they can judge their success on the last round. There is no such thing as fast credit repair, but if you are not receiving the reports from the bureaus then move on. Your credit repair specialist should make sure to discuss with you.

Other issues should be how did this company find you as a lead? Was it through a solid recommendation such as an affiliate that you both know? Or did you get hit by bulk e-mailing, or even worse a robocall that was aimed at your number for whatever reason? Avoid credit repair firms that utilize the unauthorized telemarketing and violate the Do Not Call Registry.

If you are looking for a local firm, pick one that cares about your long term financial strategy and one that has some type of financial coaching in place. Part of that should be the asking why you to want a better credit score and what your financial goals are. Most of you are repairing your credit for a big goal such as buying a new home or car. Find a firm that brings you to that goal!

If you have any questions on how we can help with your credit score, check out our Contact Page and send us a message! Also, check our article about the important parts of your credit score.