How are credit scores calculated?

Your credit report is the basis of your FICO┬« score. This report provides an in-depth look into your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you, by court records and by you. The FICO score analyzes information from the trade line, inquiry, public record and collection sections of your credit report.


24/7 Credit Monitoring & Alerts powered by TransUnion keep you aware of the changes and updates on your report, and provide customized information and advice about how those reported items affect your score.

Causes of Bad Credit?

  • Paying Late
  • Not Paying at all
  • Account charge offs
  • Having account sent to collections
  • Defaulting on a loan
  • Filing bankrupcy
  • Getting a judgement
  • High credit card balances

Our number one priority is ensuring your life gets back on track. Our team works diligently and directly work with the credit bureaus and your creditors to challenge the unfair or inaccurate negative report items that affect your credit score. We'll ensure your credit history is up-to-date, accurate, and reflects you honestly. This can all help to fix your credit.

Jason Browder|CEO

What we do

Your credit repair is our #1 priority

Our customized tools, educational approach, and proven technology guide you through the many areas of importance, one step at a time ensuring you are comfortable with our process and the items we will need to obtain from you to succeed not only raising your credit score but to maintain a healthy score and work toward the restoration of your credit.