The Fastest, Most Efficient Credit Repair Services

High credit scores help you get approved for financing. They also provide the benefits of lower interest rates, lower monthly payments and lower loan delivery fees. CreditUs's credit repair services are trusted by mortgage professionals nationwide. Lenders are referring more and more of their clients to CreditUs because of the effectiveness and speed of our credit repair services.

Not to mention the fact that no matter who your mortgage professional is, CreditUs is able to keep him notified automatically, whenever your credit reports have been updated and our credit repair services were able to boost your credit scores. The higher your credit score, the lower your interest rates, monthly payments and loan delivery fees. Whether you’re looking to buy an auto or a house, our credit repair services can save you literally thousands of dollars on your loan. Just take a look at the example on the left. 300,000 30-year fixed mortgage just by increasing your credit score.

However, other times when different lenders look at your report, it may be entirely without your knowledge. Often, credit card companies that you already have accounts with will check your credit report to verify that you are being a responsible borrower on your other accounts. If they find you have not been responsible and your credit score has dropped, they may raise your interest rate or fix your total credit limit at an amount lower than it had been previously.

Sometimes credit card companies will be scanning many consumers’ credit reports to find out who they want to send pre-approved offers to. These forms of inquiries still show up on your report, but do not affect your score at all since they happened without your knowledge and are not the result of you applying for new credit.

Of course, you have the right to know what is going on with your credit report at all times as well. No matter how many inquiries you make into your own report, your credit score will not be afflicted at all, so don’t hesitate to keep an eye on your financial profile all year round. John Lauer in credit restoration and credit counseling services. Sacramento credit repair professionals and our innovative late payment services.

When was the last time that you actually took a look at your credit reports, Though analyzing your credit reports may seem like a daunting task at first, it’s something that, with a little groundwork, becomes fairly reasonable to understand. In the end, your entire financial existence is based on your credit scores, so it is certainly worth the effort.

This affects you too: Almost 4 of 5 consumers have credit report mistakes of some kind. So many Americans believe that if they’ve been cautious with their credit usage & their finances as a whole, that their credit profiles should reflect exactly that. Well according to a study done by the U.S.

Public Interest Research Group, “79% of the credit reports surveyed contained mistakes of some kind.” That statistic alone should get consumers concerned with exactly what information is listed on their credit reports. Even more amazing is that their research shows that 25% of these errors may be flagrant enough to result in a consumer being denied for credit or for a loan. What it does not calculate is the number of consumers that are likely paying higher interest rates and thus higher monthly payments to lenders because of these errors.

Higher monthly payments equates to less savings, diminished purchasing power, and a weaker credit profile. While the credit bureaus have been instituted to gather and process all of this information, the onus has been put on the consumer to ensure the accuracy of their own reports. No one is going to contact you to verify your credit information; you have to actively work to make sure that the credit reporting agencies have your life’s financial records in order. Identity theft: Closer to home than you may think.

Probably a direct result of TV & movies, we like to envision elaborate schemes for identity theft and the people behind them. Many are convinced that there are highly trained computer hackers with elaborate skill sets always waiting for consumers to slip up with their financial data. And people buy into it; many don’t give out information over the phone, make online transactions or even deal with anything but cash. When the truth is, the vast majority of identity theft is far less sophisticated and generally involves your own friends, family and co-workers.

Rummaging through the garbage and mail theft are still some of the most common forms of obtaining someone’s financial information. Wallet snatching is still alive and well too. Thieves can empty your accounts almost immediately once they’ve secured your cards. Social Security and child fraud, where crooks often use a family member’s information because their own credit score is sub par, is still a common practice as well.

Of course this isn't to say that identity theft hasn’t gone high-tech as well. Crooks can slip spyware onto your computer, often undetected, and track all of your movements remotely. What to do first: Check your credit reports regularly. It is vital that you check your credit reports every 12 months as many of these issues may not rear their ugly heads in your daily life until it’s too late.

Like when you get denied for a mortgage or a car loan. Or after all of your accounts have been maxed out or drained of every last penny. Remember, the burden to update & maintain your credit profile is placed squarely on your shoulders. The credit bureaus will update your accounts without questioning anything.