🚦 Credit Repair In Aiea, Hawaii ☎️

🚦 Credit Repair In Aiea, Hawaii ☎️

May 14, 2018

Credit Repair In: Aiea, Hawaii

A Simple Way To Improve Your Credit Score.

Results In Less Than 90 Days…


We Keep It Simple And So Should You.


Hassle is the worst; that’s why we made it easy for you to repair your credit.

A Simple Way To Improve Your Credit Scores.

Download Your Credit Report

You can obtain those for free at AnnualCreditReport.com

Understanding The Basics Of Credit

In an era where lenders are leveraging credit scores to size up a potential customer over personal bias and experience, it’s important to achieve and manage a credit score that’s reflective of your financial savviness. Over 90% of women believe they need to be more involved in financial strategies, and being strategic and financially savvy starts with knowing the basics. There’s a lot of information floating around about credit inquiries and consumer reports to credit score monitoring, so let’s round them all up into a concise understanding about the basics of credit.

Credit Score 101

Your credit score is a report of how good you are at repaying debt. This score lets lenders know whether they should let you borrow money from them and if they can trust that you will pay them back in full and on time. There are four areas of influence that affect your credit score:

Types of Credit Scores

There are different credit score modelers for different companies. All you need to worry about is the generic credit score, which indicates general financial risk. But it’s good to know that a company can request a custom score, which is created to help predict risk for a specific lending situation (i.e. retail debt, car loan repayment or bankruptcy risk). Your history is used to create every credit score though so if your risk is generally low, it will most likely be low across the board.

Good or Bad Credit Score?

It depends. What it depends on is the type of credit score being pulled but the foundation remains the same; the higher the score, the lower the risk. A good credit score ranges between 661 and 780 while an excellent credit score ranges from 781 – 850. A good FICO score (another way to calculate your credit score) lands somewhere between 690 – 719 and an excellent one is 720 and up.

Improve Your Credit Score

To improve your credit score, you need to improve your credit report. Although you can’t take back history, you can address the information in your report that affects your score the most. For example, you can pay a past-due payment and paying each payment on time after that will prove that you engage in financially sound practices and credit management. Don’t expect immediate results. Your credit score will improve over time as long as your maintain good behavior. Read about your credit report to get an idea of what bankers see so you can improve on those areas.


So you’re ready to buy a new car, congratulations! If you plan on financing a bit of your car payment then the dealership or lender is going to inquire about your credit score. Because people shop for the best rates when making a home or auto purchase, credit scoring systems count inquiries that occur with a short period of time as only one inquiry for those reasons. Recent credit inquiries, however, concern creditors because they may indicate you have added debt they don’t know about yet. That’s why you are often asked to explain recent credit inquiries when you apply for a mortgage. The older the inquiry, the less important it is.

Your Credit Report, Monitoring & Inaccuracies

Credit scoring models are used to compare the information in your credit report with your track record to determine your risk level. With that in mind, it’s best to know what’s actually on your credit report. After an in-depth look at a credit report, you’ll see that it provides a good overview of the type of information obtained by a credit reporting bureau. Credit reports include: personal data, credit history, account details, inquiries, collections and dispute issues.

What exactly does my credit history include?

  • Number of accounts (open and closed)
  • Type of accounts
  • Number of credit inquiries over a 12-month period
  • Number of past-due accounts
  • Accounts in good standing Tip

Monitoring Your Credit & Identifying Inaccuracies

Now that you know what goes into a credit report, be sure to regularly monitor it. Why?

A large percent of credit reports contain inaccuracies which can negatively impact your credit score.

You may catch some discrepancies or new accounts that you didn’t open (fraud!). Credit inaccuracies can result from fraud or just an oversight from a lender. When you spot an error on your credit report you can take steps to dispute it:

  1. Obtain your credit report
  2. Find what needs to be removed (FYI you can’t get rid of negative notes): Wrong information Duplicate information
  3. Dispute inaccuracies File the dispute with the bureau Wait 30-45 days

No change? Inaccuracy still there? Write a letter to the creditor explaining why the information is inaccurate and why you’d like them to report the correct information. Be sure to supply it with supporting documents that aid your case.This can be a tedious process and there are many different ways to go about investigating the creditors and credit reporting agencies. There are a few companies out there that you can hire that are very good and assisting consumers through this process. Our company Raise Credit Services is one of them and we offer a free consultation on your credit report.

Rebuilding & Restoration Process Begins

We guide you through the  dispute process using our proven methods and years of experience. The credit bureaus are required by law to investigate the items you are disputing within a certain amount of time. It generally takes under 90 days to get your credit back on track.

Negative Credit Information Removed

Having better credit means more options and, when it comes to making big purchases in life, options are what you want.  Our credit repair service is the fastest legal way to rebuild your credit score and help you get back on track with your finances.

A Simple Program To Improve Your Credit Scores In:

Aiea, Hawaii


Premium Credit Repair, Debt Elimination, Settlement, and Rebuild Services.

We use Advanced Tactics for Verified Items, 3rd Party Collection Agency Debt Elimination Services. We & make sure you only have to settle if items are 100% Legally Verified. Credit Repair & Debt Elimination is done through a process of Factual Verification. 

How You Can Legally Repair Your Credit In Under 90 Days In Aiea

We’re not kidding. Everything related to credit repair is governed by federally mandated time frames and there’s nothing that can’t be done in under 90 days or less.

How To Immediately Generate New Unsecured Credit In Aiea

Yep! That’s right, even if you have terrible credit right now, you can immediately generate new unsecured bank loans today by following the information we provide here with you. If you have the time you can always do your own research and find out what you need to do on your own.

Halawa, Kalauao, Aiea Heights, Halawa Hills, Halawa Heights, Foster Village, Waiau, Waimalu, Aliamanu, Puuloa