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Why are FICO® scores so important?
Over 80% of the lenders today measure your credit risk by this scoring system, so these are the scores most likely to impact your interest rates and credit decisions. We highly advise that all consumers visit FICO’s website to get their credit scores regularly. |
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What makes your service different?
Our focus is to work one-on-one with consumers to help improve and manage their entire credit portfolio. This includes implementing score building techniques as well as helping develop better relationships and choices of lenders. |
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Is your company a credit repair company?
No, we are a credit education and score building company. However, we can help you repair information on your credit file if needed by helping you understand your legal rights as a consumer and working with you step by step in this process. |
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Typically, how long does it take your program to work?
You will see results within the first thirty-five days. Depending on the negative and positive factors on your reports, the process of cleaning and building positive credit takes an additional 60 - 90 days. |
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If I have some bad marks on my credit, does that prevent me from having a high credit score?
No, credit scoring takes into account many different principles to arrive at a credit score. The older derogatory information becomes, the less impact it has - IF it is balanced by positive information on your report. |
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Does your service only work for people with "bad credit?"
Absolutely NOT. No matter what level you are at in your credit life, there's always room for improvement. If you want to understand exactly how to develop the best possible credit AND the best relationship with lenders, you need to speak with us. |
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Do I have just one score?
No, you have three credit scores - one from each of the three major credit reporting agencies. |
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Don't all three bureaus have the same information?
No, which is why you have three different credit scores. Not all companies report information to all bureaus. |
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Will your educational programs teach me how to improve my credit scores and management?
Yes, the mission of our company is to build a community of credit-smart consumers. |
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Can you guarantee all my negative information will be removed off my credit reports?
Honestly, no company can. An even if they could, this would not be sufficient enough to assure a good score. This why credit education is critical! You must learn all of the other factors (outside of credit repair) that help to build your credit score. |
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What’s the advantage of continually working to improve my credit score?
Statistics show lower credit scores equal higher interest rates and monthly payments for houses and cars, among other things. Reaching for higher and higher scores saves you money and allows you to take advantage of the best that lenders have to offer. |
If you have further questions, please feel free to contact us.
Credit Builders International is not affiliated with Fair Isaac Corporation. FICO® is registered trademark of Fair Isaac Corporation.
