What a Low Credit Score Costs You:

A brand new Toyota Camry costs around
$23,000
for a 66 month term.

Person A

Credit Score: 730
Interest Rate: 1.99%
Payment: $368.22
Total Interest Paid: $1,302.39
Total Payments: $24,302.39

Person B

Credit Score: 599
Interest Rate: 14.99%
Payment: $513.97
Total Interest Paid: $10,921.44
Total Payments: $33,921.44

Person B Pays

$9,616.05 MORE
than Person A for the exact same car at the same price!

This same scenario happens with your credit cards, mortgage, loans, etc.

your credit score is determined by 5 factors of differing importance: 

35% PAYMENT HISTORY

how often do you pay your accounts on time?

Late payments may lead to a lower score. A recent late payment, could be more damaging to your  scores than a number of late payments that happened a long time ago..

15% LENGTH OF HISTORY

how long have you had a credit history?

A good track record of responsible credit use will typically lead to a higher credit score..

30% AMOUNT OWED

how often do you pay your accounts on time?

A larger number of accounts with amounts owed can indicate higher risk of over-extension which can cause your scores to drop.

10% OF TYPES OF CREDIT USED

how many lines of credit do you have?

Having different types of credit (car loan, credit card, house loan, etc) can help your credit score.

10% LENGTH OF HISTORY

how often do you open a new line of credit?

Opening new lines of credit in a short time can lower your credit score.

Cleaning up your credit will lower your bills and save
you hundreds if not thousands of dollars when making big purchases.

ABSOLUTELY NO UPFRONT FEES. GET YOUR RISK FREE CREDIT CONSULTATION AND CREDIT AUDIT REPORT WITH NO OBLIGATION!