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Stalwart Credit Repair

Learn More About Credit

What is a Credit Score?

A credit score is your financial roadmap, it shows lenders what you capable of. It’s the mainstay that lenders use when they want to determine how much of a credit risk you are. They take a look at your final score, which usually ranges from 300-850. Then they determine if you are a credit risk and if your are then you are denied the loan.

The hardest thing about credit scores and credit worth is that each lender offers credit based on different cirtieria. Plus, if you are determined a high risk credit account they will often times strap you down with high interest rates and other unheard of and phenomenal rates.

How Is A Credit Score Created?

It starts with a mathematical formula, each credit reporting agency (Experian, Transunion, Equifax) uses a different algorthim. Then they determine your score based on it. For every late payment, every inquiry on your credit score and for the age of your credit you will receive a ding or dent on your report.

How Can You Fix Your Bad Credit?

First we need to conduct a full scale credit evaluation. This starts when you contact Pacific Credit Repair with your credit needs. Then from there we start again, and make your life start over again. We begin with a credit action plan-and you have entire access to it as we are working on it!

Contact us today for your free evaluation.