Commercial Lending Division
Mike Hughes (920) 707-1505
Kevin Flynn (954) 600-1603
Toll Free Dial: 1-TON-OF-CASH-4-U
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Self Employed Resources in Wisconsin- Credit Repair
Credit Education
Understanding your credit is the first step to improving your credit score. Getting the facts straight about credit repair can be a daunting task. Misinformation abounds which encourages consumers to feel as if they're stuck with poor credit even though affirmative legal steps can provide relief. Understanding your consumer rights is the first step toward improving your credit rating. By law, the creditor must prove the accuracy of what you are disputing within 30 days. If they don't, it simply is removed from your credit report. If you have evidence that something is wrong, simply submit the evidence and they will have to remove the inaccurate data within 30 days or prove that it's accurate.
Contact Us
What can we delete?
Understanding your credit is the first step to improving your credit score. Getting the facts straight about credit repair can be a daunting task. Misinformation abounds which encourages consumers to feel as if they're stuck with poor credit even though affirmative legal steps can provide relief. Understanding your consumer rights is the first step toward improving your credit rating. By law, the creditor must prove the accuracy of what you are disputing within 30 days. If they don't, it simply is removed from your credit report. If you have evidence that something is wrong, simply submit the evidence and they will have to remove the inaccurate data within 30 days or prove that it's accurate.
Contact Us
What can we delete?
- Bankruptcies
- Late Payments
- Repossessions
- Collections
- Foreclosures
- Charge Offs
- Judgments
Call Toll Free 1-TON-OF-CASH-4-U
or Wisconsin Local (920) 707-1505
One of our Reps will contact you to go over your particular situation, your goals and an edcucational plan that fits your needs. If you decide to move foward, we will stay with you every step of the way and help you keep your good credit through education.
(920) 707-1505 in Wisconsin
How Important is your Score?
If your credit score is above 680 you are considered a "prime borrower" and will have no problem getting a good interest rate on your home loan, car loan or credit card.
If your credit score is below 680 you are considered "sub prime" and will likely pay a much higher interest rate on your loan.
A credit score below 560 is a poor score. At least that is how most lenders and credit issuers perceive it. You can still get a credit card but you will likely be hit with a security deposit or high acquisition fee. In addition to that your interest rate will likely be 22 to 23%. You can forget about most home loans and the majority of new car loans at this score. Below 560 is no place to be. You will pay much, much more in higher interest and unnecessary fees. You may even pay more for your insurance rates. A very low score can even prevent you from getting a job with many companies.
Pay your bills on time. Sounds simple but this is the biggest thing you can do to keep your score high. Delinquent payments and collections have a major negative impact on a score.
