Credit Builders International, as the name implies, focuses on building credit scores and being proactive -- emphasizing increased credit knowledge and good credit decisions. 

In today’s society, the average consumer believes that credit repair is the key to high scores – not true!  It is a proven fact that credit repair alone does not build high scores, and in many cases, people have been left with lower credit scores! At Credit Builders International, we teach that it is more important to build positives than remove negatives. Here are some facts you may find interesting:

1. There are approximately 55 millions people that have little or no credit – credit repair cannot help these individuals.  They must build credit in order to be viable credit candidates.
2. Many people have all of their negative information removed only to have “no credit.”  No credit score is just as bad as having a poor credit score.
3. Many credit repair companies do not properly analyze your credit report to help you determine what factors are helping or hurting you – leaving you in the dark about the process.
4. Oftentimes, accounts that appear negative are deleted, but these accounts may actually have a more positive than negative impact on the credit scores.
5. Many credit repair results are temporary – the client is not advised about how to resolve issues.  So many of the deleted items simply get transferred to new collectors and reappear on the credit report!
6. Many clients have good credit, but do not know what steps are required to have excellent credit.  It may require restructuring debt, new credit, or build relationships with the right lenders to have a better credit portfolio. 
7. Achieving higher credit scores can put you in a stronger position to implement wealth development (link to “credit to wealth” page) principles such as high available credit lines, investment property ownership and business ownership.

 Credit Builders International is one of the innovators in implementing score building techniques. To learn more about credit score building, click here.