A credit score is a number that ranks a consumer’s credit risk based on a statistical evaluation of information in the consumer’s credit file, information that has been proven to predict loan performance. In layman’s terms, a credit score is simply a number that represents the risk that you will default on a loan, using your prior payment history as a benchmark.


Each mathematical algorithm used to calculate credit scores is unique, so we work with our clients to identify their personal goals and work to restore their individual credit to best fit their upcoming loan. For example, if your goal is to purchase a new home, then your credit restoration plan should focus on improving your FICO score, the score used by mortgage lenders.

Though the FICO model is only one system used, the score is complex – too complex to describe in detail here. The overview presented here provides an introduction to the factors that contribute to the FICO score. To learn more about the FICO score and other scoring models, contact us.


With all the different kinds of information that credit scoring models incorporate, numerous tactics for improving scores are available. However, any action to improve a score must be taken judiciously: some actions aimed at improving your score may actually make it worse. Contact us, and we can help you determine which steps will help your credit the most, without doing harm.

Many individuals reap significant benefits by properly employing simple FICO score improvement techniques such as: making all payments on time, especially to installment and revolving accounts, as these report to the credit bureaus on a monthly basis. Do not apply for new credit cards or loans. Pay credit card balances down to 30% or less of your credit limit and make sure your credit card company reports a limit. Keep 3-5 open and active accounts in good standing on your credit report and be sure to review your credit report on an annual basis.


Our team of highly trained experts works on your behalf to correct negative and erroneous information that is hindering your credit scores. Whether you are looking to secure a home loan, an auto loan, or pristine credit, our staff will guide you every step of the way. We understand how to work with the credit bureaus and we have helped hundreds of thousands of Americans improve their credit score. Click the button below to request a FREE consultation.