US Reporter

Credit Repair FAQs with Finance Council

Lynda Gomez Lynda Gomez on January 13, 2021

Many Americans are concerned about their credit reports, and it’s no surprise because while the average FICO score is increasing, there are a growing number of Americans in the “Very Poor” category, which means it’s near-impossible for them to get home loans, as well as low-rate credit cards and personal loans. 

As more individuals become credit-conscious, search engines are being bombarded with credit-related questions. In this guide, we have highlighted and answered the most common ones with help from Finance Council.

Finance Council is a leading credit repair comparison service that connects bad credit users with trusted partners. The ultimate goal is to help you repair your credit, and it’s a service that has been provided for countless Americans. 

To learn more about Finance Council, including reviews, testimonials, and information on how you can get a free 10-minute consultation, visit the Finance Council website.

What Happens if My Credit Score Is Low? 

A low credit score makes it harder to get a home loan and a car loan. If your score is considered subprime, you’ll also be rejected for most low-rate credit cards and personal loans and could be charged up to 3x more on your car loan. 

Bad credit breeds bad debt, which is why so many consumers get stuck in this cycle. When you’re paying more for every credit card and loan, you have less money in your account every month, which means it’s harder to pay down debt and improve your score. 

To break out of that cycle, you need to work with a credit repair company, such as those recommended by Finance Council. 

If I Can Get a Mortgage, Why Should I Care? 

Buying your first house is exciting. You’re eager to complete the purchase, move into your house, and start your new life. You don’t want to wait, and that’s perfectly understandable. 

But in rushing the process, you could be doing your future self a severe disservice. 

Imagine, for instance, that you have a credit score of between 600 and 620. At this range, you might qualify for a Conventional Loan, and if that’s your ultimate goal, you’ll accept as soon as you’re offered that loan, regardless of the rate. 

But by biding your time, and spending a few weeks or months improving your score, you could be quoted between 0.5% and 1% less. That might not sound like a lot, but on a 30-year loan for $200.000, the difference between 4% and 4.5% is over $7.000 during the lifetime of the loan while the difference between 4% and 5% is a staggering $43.000. 

Even if your score is good enough to get the loan you want, it can still be improved. 

What Is Credit Repair? 

The credit repair process involves many techniques, but the ultimate goal is the same. Every credit repair firm will work to improve your credit score as quickly and cleanly as possible, and they do this by removing negative marks, disputing harmful items, helping you to manage your debts, and more. 

What Affects My Credit Score? 

Your credit score is composed of several different elements: 

· Payment History

· Credit Utilization

· Account Age

· Recent Credit

· Credit Variety 

These are all weighted differently, with Credit Utilization and Payment History having the most impact. 

Some of the things you do will have an instant impact on your score. For instance, clearing your debt will reduce your total used credit, which in turn will improve your credit utilization. Others, such as your Payment History, take a little longer, as the only way to improve that is to keep making your payments on time. 

The goal of a credit repair expert, such as those recommended by Finance Council, is to find the solutions that can get you to where you need to be as quickly as possible. 

How Much Does a Negative Item Impact my Credit Score? 

It’s often said that a hard inquiry will reduce your score by exactly 5 points and that other negative items will have a similar fixed effect. In truth, it all depends on your current score and your credit history, and negative items impact everyone differently. 

Generally, however, a hard inquiry will reduce your score by up to 15 points while a late payment can remove anywhere up to 110 points. Bankruptcy has the biggest impact and is followed closely by foreclosure.

Can a Mistake Hurt My Score? 

Mistakes happen, and if an incorrect item appears on your report, it could negatively impact your score. It’s frustrating and a little unfair, but that’s where Finance Council’s trusted partners can help. One of the company’s priorities is to remove any items that shouldn’t be there, thus having an almost instant impact on your score.    

Is Credit Repair Expensive?

The best credit repair services aren’t free, but if you go through a company like Finance Council, the initial consultation is free, and there is no obligation to buy and no pressure-selling. 

Finance Council helps you to find the most suitable credit repair option—one that is effective and affordable. And in the grand scheme of things, when you consider how much these services will save you, it’s always worthwhile.

Aspire Score Inc. Enriching People’s Financial Lives

Lynda Gomez Lynda Gomez on November 25, 2020

They say that money doesn’t make the world go round. But there’s no denying that finances play a major role in a person’s life. Sadly, not everyone is in a great position, money-wise. People are getting into debt, leading to a very unstable financial future. Credit fixing and financial expert company Aspire Score hopes to change that trajectory for the many Americans that want a better economic life for themselves and their loved ones. 

Aspire Score is on a mission to enhance their clients’ credit reports and enrich their credit scores, which ultimately will lead to more financial abundance in the future. The company started over five years ago through the efforts of credit expert Michael Perfetti. The finance and credit guru uses the latest industry tactics to permanently delete unwanted items in an individual’s credit history, leading to better FICO scores. 

The FICO scoring system is the primary way financial institutions in the United States ultimately affect a person’s purchasing decisions. The scoring system influences everything from the kind of home people can buy, cars they can purchase, jobs they get, businesses entrepreneurs can start, and other aspects of their lives. Most Americans don’t know what their credit scores are and how they can improve them. Through companies like Aspire Score Inc., Americans get the chance to gain a better life by improving their credit ratings.

Michael started his journey in the finance world by working for a collection agency in Southern California. He would make over four thousand cold calls a month to people facing defaults on their credit cards, loans, and mortgages. While working in that role, Michael Perfetti realized how many people needed help with their credit. He saw a gap in the system that left most people uneducated on why they get into such financial messes and how to get out and stay out of money troubles. 

Armed with a passion for helping people and the technical know-how to get people out of their financial woes, Michael started Aspire Score Inc. Today, Michael serves multitudes of clients by assisting them in removing negative items and improving their credit scores. Ultimately, Michael’s work has positively changed the way of living of many of his satisfied and grateful clients.

Aspire Score Inc. uses the latest secure and encrypted software to gather people’s financial information and load it into a CRM. The company then works to find means and strategies to start repairing a person’s credit history in the shortest time possible. Aspire’s clients have seen results in as soon as thirty days on many occasions. Moreover, the fixes made are always permanent. The company never turns down a client, no matter how dire their situation might be.

On top of credit repair, Aspire Score also provides various other services, such as tradelines, personal funding, business funding, and financial coaching. One of the more unique aspects of the credit fixing company’s service is its money-back guarantee, a bold promise that ensures that people get results in the soonest time possible. “If we don’t perform, we don’t get paid,” declares Aspire Score’s guarantee.

What drives Michael Perfetti more than anything is the many stories and testimonies he gets from clients whose lives have greatly improved through his company’s help. He hopes to educate and assist as many Americans as he can to reach their financial goals. 

To learn more and reach out to Aspire Score Inc., check out its website.

Jaime Sandoval: Boosting Credit Scores and Credit Education Through BTX Financial

David Peers David Peers on November 11, 2020

Best known for fixing and growing credit scores in only six months or less, BTX Financial, spearheaded by Jaime Sandoval, is at the forefront of helping clients make the informed decisions geared towards attaining peace of mind, financial security, and financial success. 

BTX Financial is a rising credit repair and education company founded by Jaime Sandoval. Its ultimate mission is to help clients establish, repair, rebuild clients’ credit profiles. On top of this, the company seeks to properly educate clients about the fundamentals of credit to help them arrive at wise financial decisions that will lead them towards financial freedom. 

Jaime Sandoval is the great mind behind BTX Financial. Through his leadership, the company’s credit experts dedicate their time and efforts to restoring and boosting credit scores in the most effective and efficient ways possible. 

For potential clients who are unsure about their credit issues, BTX Financial provides a free consultation to enlighten them as to what can be done for their situation. After the company’s team of experts start working on the client’s credit, they can expect approval for new credit, auto loans, home loans, and refinancing. Moreover, the rising credit repair company seeks to accomplish its goals for the client in as little as 30 to 45 days. There are no monthly retainers, and the company utilizes a “Pay Per Delete” model.

The client will have access to all three credit bureaus in the United States and unlimited disputes. If no negative items from the client’s credit are removed after 90 days, a “money back” or refund is guaranteed. Furthermore, all services from BTX Financial and Jaime Sandoval are accessible by the clients online 24/7.

More than its reliable service to clients, BTX Financial ensures transparency when it comes to the processes of repairing credit, how credit works, and how to get out of debt faster. For Jaime Sandoval, communication is key to keeping clients secured and satisfied. He ensures that the company does not leave clients wondering what is going on with their credit. In addition, professionalism and work ethics are what keeps the credit company intact. “We do everything based on the FRC law and do not interact on any illegal ‘credit sweeps’ to help clients get results faster by lying to the bureaus,” expresses Jaime.   

Today, BTX Financial continues to thrive in the competitive credit repair market. With its transparent approach, legal methods, and fast, reliable results, clients will surely have a positive and fulfilling credit repair, growth, and education experience with the team. 

“Our only mission is to help clients improve and fix their credit by not only removing negative items but also educating them on how to add positive accounts and how many and credit works,” shares the founder of BTX Financial.

In the future, Jaime Sandoval hopes to expand the reach of BTX Financial. He hopes to take care of the processing and onboarding and communication with clients at a greater level. He also envisions building a sales team as well while managing the entire operation. 

Learn more about BTX Financial by visiting its official website.

Credit Repair Kings Extends a Hand to Boost Credit Score

brittanymeyers brittanymeyers on September 26, 2020

Attaining a good credit score is an extremely beneficial advantage. With a good credit score, one can avail low interest rates on credit cards and loans, be highly likely to get approved for loans, receive comparatively better car insurance rate, and many more. However, there are people who have derogatory items on their record that deprive them from these benefits. Credit Repair Kings is here to assist them in their financial challenges. 

In 2019, the average FICO score in America is 695. However, one out of five Americans aged 20 to 29 are not aware of the status of their credit scores. To add insult to injury, 68 million under this age bracket have credit scores lower than 601.

Considering this appalling conundrum, Credit Repair Kings is setting their eyes on this population to help them better their score. However, their services are not just exclusive for them, but also for people who are interested in building or fixing their credit scores.

Because of the pandemic, millions of families have struggled and thousands have lost their jobs. Consequently, this resulted in an influx of possible clients who require the services of credit repair companies. 

“We are helping these individuals by educating them about credit and helping them with their financial goals to get back on track. If you’ve been financially impacted by the COVID-19 pandemic, you are likely wondering how to increase your credit score and maintain that growth once the pandemic has run its course.”

Roland Reznik, CEO of Credit Repair Kings, together with his team of credit score specialists provide a free consultation for their clients. After discussing the objectives of the consultation, Credit Repair Kings lay out a complete flowchart of what to do. Additionally, their clients do not have to do the tedious work as the company shoulders the leg work. 

According to Mr. Reznik, Credit Repair Kings stands out in the competition as they know the crevices and complexities of credit. Their hands-on services and bona fide specialists are the forces that keep the business going and the company flourishing. Moreover, the combined 25 years of experience in the industry is a testament to their unquestionable performance.

Seeing clients achieve the financial goals of their clients serves as the motivation for Mr. Reznik to continue his brand. He said that helping their clients save thousands of dollars and get back on track through an improved credit score brings a smile to their faces.

Knowing that a good credit score can significantly increase numerous financial opportunities, Mr. Reznik plans on extending their services to more people in the next five years. He sees himself educating people and improving thousands of credit scores. Moreover, his goal for Credit Repair Kings is to shape it into a leading agency in the industry. Apart from arranging speaking engagements, he is also looking into the possibility of expanding outside Miami, Florida. 

Head to their website to check out what Credit Repair Kings has to offer. You can also get updates on their Instagram page, @creditrepairkings. Follow Roland Reznik on Instagram, @iamrollierez, for updates. 

Matt Mcintosh Scales His Businesses Like No Other

David Peers David Peers on September 25, 2020

Matt Mcintosh dropped out of college and dedicated his life to helping others improve their financial situations instead. He owns two companies, Mcintosh Credit Solutions and Matt McIntosh Marketing. He understands that leveraging one’s credit scores is an essential part of achieving full financial freedom, which is why he is using his skills and talents to help his clients repair their individual credit scores. Matt has grown his credit business to six figures in a span of four months. He shows other companies how to achieve the same results by doing consults on their marketing strategies.

Most people have it all figured out; they have a set path in life that they hardly diverge from. Matt Mcintosh was never one of those people. He’s had his fair share of struggles in life, even reaching the point of dropping out of college. However, he knew that something had to be done. Matt had the skills and talent to build his own brand and grow it tremendously into what it is today.

Nowadays, Matt Mcintosh owns two companies, one of which is the fastest-growing credit repair company in the United States. He has managed to earn over six figures in a span of four months through his credit repair agency. Matt also built his marketing agency Matt McIntosh Marketing, to help other businesses capture more clients.

People that are looking for a way out of their current financial troubles will greatly benefit from Matt Mcintosh and his amazing services. He has his finger on the pulse of today’s current climate, and he understands what it means to be part of the black community and the community of college dropouts. Matt goes all out with his work and takes risks that nobody else in the industry could ever dream of. Every time he collaborates with a client, Matt always makes sure to give out 100 percent. 

Matt Mcintosh fully enjoys what he does for people, and he has shown incredible results along the way. He becomes obsessed with his work whenever he begins collaborating with a client, and he makes it his mission to make his client succeed with his help. Matt is able to strategize at a high level with marketing campaigns because he took a lot of time studying and experiencing what it means to be in the marketing industry.

Matt was inspired to build his brand because he wanted to create a legacy around his name and his family name. His brand wouldn’t have flourished if the people around him did not trust what he was doing. Matt Mcintosh expresses great gratitude toward his supportive peers, which have helped him grow his business faster. He has made it his mission to build a positive brand that would help people achieve their dreams and reach greater heights. Most of all, Matt was inspired by his family to build his brand. He has always wanted them to live a better life with a secure future, so he established his companies and poured his heart and soul toward each project.

He wants to inspire other people to reach for their dreams, the same way he has. Matt expresses that if a college dropout could achieve so much in such a short amount of time, then other individuals could do so as well. Indeed, Matt has helped his many clients reach for their dreams, and he vows to help more and more people along the way.

To find out more about Matt Mcintosh, make sure to follow him on Instagram.

Daniel Credit Report Partners Is the Ideal Partner in Improving Financial Status

David Peers David Peers on September 18, 2020

With the onset of the pandemic, people may not have a steady income due to the lockdown measures. As such, they may resolve to use their credit cards to make ends meet. However, this might pose a problem because no steady income means fewer ways of keeping the credit balance intact, and this is where Daniel Credit Repair Partners come in. 

A great way to make sure that one’s credit is in optimal status is to have a credible financial partner, and Daniel Credit Repair Partners is one of the best in the industry. They specialize in examining one’s credit health to help stabilize the financial journey. This firm is excellent at handling their clients’ credit because their team takes a personal approach that will surely take into consideration the debtor’s specific needs and financial status. Before conducting a strictly business negotiation, they make sure to establish a connection with their clients first to help assess the situation thoroughly.

While other companies may focus on removing negative items to renew the credit, the people at Daniel Credit Repair Partners believe that it is just as essential to educating the debtors in handling the credit accounts wisely. Many people do not understand the inner workings of credit and are too intimidated by the amount of available information. Hence, this company is different from others because it will let the debtors understand how credit works. 

The company is not like other money-hungry financial companies because they want to help other people have a better grasp of handling their financial accounts. Their mission is to provide industry-leading credit repair and award-winning customer service at an affordable price to help consumers with credit issues restore their credit. In turn, this leads to building strong credit foundations upon which they can achieve their financial goals and move toward the best possible future. 

Another unique characteristic of Daniel Credit Repair Partners is its approach of imparting free consultations to help the debtors get a good feel of how the financial credit partnership works. This trial is free, so the consumer will not need to shell out money. During this free consultation, the team of this company will give insights about one’s financial status and how it can be improved to achieve financial stability. If the consumer likes this kind of approach and decides to sign up with the company, he will have access to all the ins and outs of boosting his credit health.

The company’s distinctive style of handling credit accounts is a huge deal-breaker in the industry as not all consumers have the same situations and financial status, so the traditional way of credit consultation is not highly effective. In this way, a lot of families will benefit from it by learning how to manage their credit accounts accordingly. The company also encourages people from different walks of life to establish a partnership with credit consultation companies because there is no discrimination for less privileged people. 

For more information on Daniel Credit Repair Partners, visit their official website.

United Score Takes the Lead in Credit Repair and Credit Education to Future-Proof Clients’ Credit Profile

Cindy Smith Cindy Smith on August 20, 2020

Being denied credit and seeing your credit score drop lower and lower is extremely discouraging, especially when you are clueless about how credit scores and credit standing work. This was how Abrianne Dillard felt years ago when she faced financial challenges that left her unable to pay bills. The eye-opening experience led her to establish United Score, a company taking the lead in credit repair and restoration while equipping clients with the necessary knowledge about how credit works.

Born and raised in the Southern part of Chicago, Abrianne witnessed firsthand how difficult it is to be denied credit. For a time in her life, she did not have enough money to pay her credit card, car payments, and other bills. She saw how her credit score of 500 dropped lower and lower. At this point, she felt hopeless, lost, and stuck, not knowing how to establish or rebuild her credit. Eventually, she found out that credit repair was possible. However, when she finally had her new credit score of 620, she still had no idea what to do with it. 

She decided to educate herself deeper on credit repair. She found out that many black and brown people were clueless about the importance of good credit. This encouraged her to make a difference. After years of trial and error, her determination and in-depth knowledge paid off. She started taking care of her family and friends’ credit problems, and when her business started booming, United Score was established. What makes her company different from the rest is Abrianne’s focus on educating the clients properly on top of repairing their credit profiles. 

United Score analyzes clients’ credit reports to identify the negative items that are destroying the client’s credit profiles. The analysis is then followed by a customized “game plan,” based on the client’s needs to repair the credit profile. The company also takes the time to educate clients on maintaining a favorable credit profile, increasing credit scores to purchase cars or homes, and establishing businesses by obtaining business credit or funding. Ultimately, the company strives to offer “great credit, great education, and a great life.” 

United Score has become a rising credit repair expert by combining credit knowledge and the required skills in credit restoration. The company takes pride in its customer-focused and results-oriented approach, which helps establish strong relationships with clients. The techniques employed by the company have been used by only 3% of its competitors nationwide. 

Today, United Score holds a whopping 100% client-satisfaction rate. According to company owner Abrianne, “This right here is what we are most proud of. This is what motivates us to continue to grow and learn new and better ways to enhance the company and services to offer our clients.” She hopes to make her company a one-stop shop for clients looking to restore their standing and learn more about business and personal credit. 

Abrianne hopes to remind people that no matter how bad their credit standing is, there is still hope for them, and United Score is committed to making a positive difference for them.

To know more about United Score, check out their website.

How Winchester Hopkin’s Credit Experience Inspired Him to Educate Others

Chris Watson Chris Watson on August 13, 2020

Schools teach us many things we need for future studies, but it can be frustrating when they fail to teach us important things in life, such as repairing cars, doing our taxes, and credit, among many things. Winchester Anthony Hopkins, like many others, learned about credit on his own.

Winchester is a firefighter who had a perfect credit score. He began to cosign for people on things like cars and phones. He was surprised one day to find that repossessions started hitting his credit. Phone bills that he cosigned went unpaid, and his own medical bills saw his credit score drop to 472. It became difficult for him to put his name on anything using his credit.

The experience prompted him to go on a journey using several credit repair companies, but he hardly got any results or a clear idea of what credit was about. Winchester began to do some research and learn more about credit.

Having created costly mistakes, Winchester wants his clients to become more educated when it comes to credit. The difficulty and frustration in the experiences he had with previous credit companies pushed him to write credit letters.

He wrote his first few letters, added 15k in guaranteed credit, and had a 300 point jump across three credit score agencies. The following month, Winchester started helping his friends and family, thus creating the Perfect Score Club.

Perfect Score Club is a credit letter writing company that offers many credit services. They offer Zoom training on credit and one-on-one coaching sessions to help clients understand how credit works. Perfect Score Club also shows clients how they can get guaranteed credit lines to boost their scores or lower credit utilization.

To separate themselves from other credit companies, Winchester has made it a point to put on many free financial education events. His passion for helping inspires the company’s philosophy to take their client’s cases as if they were their own family, building relationships that will last for life. 

Perfect Score Club also provides thousands worth of value at an affordable rate so that it doesn’t take the clothes off the back of food off the table for their clients. They work in close relation with them, so if a financial issue on the monthly bill cycle occurs, they don’t suspend the subscription.

They have raised over 20,000 in credit score points this year and deleted over 10 million in collections. They have used their influence to cover many things such as medical bills, school loans, bankruptcies, tax liens, evictions, reposts, utility bills, etc. Perfect Score Club is committed to empowering families with finance and credit knowledge. It is their goal to become the last stop for their clients as they never want them to pay for another credit service again.

Ultimately, Winchester’s mission with Perfect Score Club is to get rid of poverty using its programs and wants to help create family legacies and not liabilities.

To know more about Perfect Score Club, you may visit their website. You may also connect with Winchester Hopkins on LinkedIn.

The Credit Repair Surgeons Founder Manny Naya Has Helped Over 9000 People Achieve Financial Stability

Chris Watson Chris Watson on August 12, 2020

Migrated to the United States at just ten months old, Manny Naya experienced a rough patch growing up. He persevered, becoming the first person in his family to graduate high school and the first to become a self-proclaimed millionaire. 

As a highly motivated, innovative, and goal-driven person, Manny is a prospering entrepreneur who established a booming business in the middle of the COVID-19 economic crisis. He founded The Credit Repair Surgeons, LLC, in March 2020. In just six months, Manny generated over 3 million dollars in profit and transformed the lives of thousands of people.

The company takes great pride in helping people restore their credit, leverage their financial power, and provide them with many credit inspired opportunities. Manny and his team have the expertise to turn any challenging debt situation into a possible path for optimal improvement, creating the best way forward to get his clients back to financial stability.

By giving clients the ability and opportunity, their clients can transform their lives in ways they have always envisioned: some finally get approved of a credit card, and others already buy their own car or their first home.

Results-driven and having a tunnel vision, the company does not stray away from their main objectives and does not waste their client’s time. The marketing is outstanding in their work; they can be reached through social media, emails, or even direct calls with a response time of no longer than an hour.

All of their clients are given the utmost attention and care. The company does not just repair credit; they also teach clients about finances, how to manage funds, how to excel, and build more credit and keep their credit clean. Clients are taught the principles of starting a business, making it successful, and creating business credit.

Manny always makes sure his company goes above and beyond for his clients, leading his company to stand out against competitors.

Before diving into credit repair, Manny was one of the most recognized elite personal trainers in the music industry. He worked with prestigious Grammy Award-winning producers like Vinylz and Allen Ritter, and historical Grammy Award Latin music manager Johnny Marines. Though Manny loved what he did, the pandemic restrictions put his role at a standstill.

Not being able to do his initial job has driven Manny to think outside the box, where he ultimately discovered the business demand for superb credit repair support.

Though he faced hardships all throughout his life, Manny leveraged those experiences to fuel his dedication to becoming the inspiring icon he is today. Now, Manny is the pinnacle representation of what a true leader should be. He was able to thrive in the worst period for business start-ups and grew from 0 clients to over 9000, from blue-collar Americans to high profile celebrities.

Above all, Manny wants to inspire people and remind them there is hope. It also does not hurt to seek help to improve one’s conditions in life, like credit repair. The drive and dedication are what make people successful, and prosperity naturally comes along. 

Visit The Credit Repair Surgeons LLC website to know more about them.