Credit Repair


Years ago, there were certain industries, like banking that would check your credit. Today, it is not uncommon for an employer to run your credit prior to making a hiring decision. If the company has multiply candidates with similar experience and education, the credit score could be the determining factor.


Auto and home insurance companies use credit reports to determine your monthly payment. You may have to pay higher rates or be forced to use less sub-prime insurers.

Credit Cards

Creditors and lenders see applicants with bad credit as a risk when compared to applicants with better credit scores. When applying for credit cards or loans, you may pay a higher interest rate or get denied for credit. 


For most individuals, owning a home is the American dream. Credit plays a major factor in determining your eligibility to purchase a home. Lenders will review your payment history, amounts you owe, types of credit used and new credit. Obtaining your credit score from Transunion, Equifax and Experian, the lender will most likely use your middle score during the application process.