The 3 main credit bureaus are Equifax, Experian and TransUnion.

Credit score models can be broken up into 3 primary groups: FICO, Vantage, and Beacon. Some corporations can customize scoring models within their company that best fit their need.

FICO stands for Fair Isaac Corporation, the most popular scoring model. FICO Scores can be customized dependent upon the type of loan a consumer is looking for (home, car, credit card, etc). FICO scores can range from 300 – 850. 

Vantage was created by the credit bureaus Transunion, Equifax, and Experian as a competitor to FICO. Vantage scores are commonly used via monitoring sites such as Creditkarma.com. Vantage scores can range from 300 – 850.

The Beacon score, which has since transitioned to the Pinnacle score, is a credit score generated by the Equifax Credit Bureau to provide lenders with insight on an individual’s creditworthiness. Beacon scores are credit scores, which are determined through a complex algorithm.

FICO scores comprise of 5 separate categories.

FICO defines a “good” credit score as being between 670 and 739. With a credit score in this range, you can expect to qualify for more ideal interest rates for your auto, home, or personal loans.

The best way to repair credit is to work with experts who have experience in doing so. Certain negative items can remain on your credit reports for up to ten years. Credit repair experts know what to look for and can remove them quickly.

While we wish we could say we can repair your credit overnight, the truth is no one can. When you need to fix your credit score fast, working with us immediately is ideal. We will do our part quickly, but typical disputes have a 30-day investigation with the credit bureaus, which we cannot expedite.

Any outdated, inaccurate, or unverifiable items could be removed from your credit report. Our credit experts will look at every item on your credit report and determine which items fall under these categories.

With so many different factors impacting individual credit situations, it’s difficult to predict how high your credit score can go until we review your reports. However, our track record of success speaks for itself when you see how many satisfied clients we have.

Some of the main factors impacting your credit score include your credit usage, credit mix, credit age, and payment history. Late bill payments can hurt your credit score significantly, as well as applying for multiple credit accounts, and much more.

There are many different ways to build good credit! It’s a process that takes time and diligent effort, but our credit team is ready to help you on your journey!