Personal Credit Help

After becoming an adult, using the credit system eventually becomes unavoidable.
It does not matter if you are a responsible person and live within your means and pay all your bills on time.
If you have not established a personal credit history, it can become near impossible to get a loan,
purchase a home, a vehicle, or other large purchases until you have established a credit history
and until that credit score is a certain number and above.

If you have already established a credit history but that history has any negative items being reported,
that also can hold you back from getting loans and making other large purchases that you might need to make.

No one can see the future. No one can tell when you might need to acquire funding.
No one can tell you when you might have a large medical debt or need to cover the cost
of something unexpected happening to you or a loved one.

Whether you need to establish good credit or repair bad credit, we can help you.
It is time to take your financial future
into your hands!

What Exactly is Credit?

The trust which allows one party to provide resources to another party where that second party does not reimburse the first immediately but instead arranges either to repay or return those resources at a later date.

What is a Credit Score?

A credit score is a number assigned based on an analysis of an individual’s credit files, to rate the creditworthiness of that person. It is based on credit report information from credit bureaus.

Maintaining Your Credit

Once you get your credit in good standing, the way to keep it in good standing will be to make all of your payments on time. Once you are paying all of your payments on time, you will be able to focus on other tasks. Also remember to use your credit cards minimally.

If you absolutely need to, make sure to pay them off as soon as possible. Your credit rating will increase if you charge minimal amounts on cards and pay them back right away!

Products & Services

Whether you need to repair or build your credit,
or even if you need funding, we can help you!

Take a look at just a few of the products
and services that we offer!

Credit Coaching

Credit Monitoring

Cheat Sheet

Dispute & Removal Letters

“We Do It All” Program

School of Credit

What Factors Determine Your Score?

There are 5 Factors that contribute to your score, here we will discuss what those 5 Factors are, and how much they account for your score. You will find that just 2 of these Factors make up nearly ⅔ of your score!


This is the big one. Payment history comprises 35% of your score. FICO forecasts future long-term behavior based on your past long-term behavior.

This also means they monitor your loans from personal, to mortgage, to student, along with your credit cards.

Tommy Lee, principal scientist at FICO, states that “FICO scores consider the frequency, recency, and severity of reported missed payments.”

This means one of the best ways to improve your credit score is by making your payments on time, and consistently.


The second biggest factor is Credit Utilization, coming in at 30% of your total score. Credit Utilization is the percentage of credit that has been borrowed.

Maintaining a low credit card balances is essential to having a good credit score.

Frequently maxing out your cards or using close to all of your credit limit, is viewed as higher risk activity.

Length of
Credit History

Taking up 15% of your score calculation is your Length of Credit History.

This means not just the length of time your accounts have been open, but length of time since your most recent actions on each account.


New Credit only makes up 10% of your score, but that does not mean opening several accounts at once will improve your score.

Doing so can also suggest high risk behavior, and should be taken into account when trying to achieve a high score.


The final 10% of your score is comprised of a mixture of different things.

FICO states that historical data indicates that borrowers with a good mix of revolving credit and installment loans generally represent less risk for lenders.

Tommy Lee of FICO also stated “People with no credit cards tend to be viewed as higher risk than people who have managed credit cards responsibly.

Having credit cards and installment loans with a good credit history will help your FICO scores.”