Is your credit file full of delinquent and collection accounts? Do you have repossessions or bankruptcy on your file from the past still haunting you? We understand firsthand how frustrating that can be and would like to help you recover from those credit mistakes. The great thing about credit is most lenders tend to care more about what’s happening now versus the past. Meaning a few changes and corrections here and there can place you on the path to better credit. The first thing you should do is get copies of your credit report from all three credit bureaus. Your credit reports will allow you the opportunity to check for negative items such as delinquencies, judgements, payment history and credit limits, etc will help determine how to begin eliminating negative items.
It’s very important to know your rights under the Fair Credit Reporting Act and to organize how you will approach eliminating your bad credit. You don’t want to hurt what you are trying to heal by being uniformed let Credit Optimize assist you if raising your score is the goal.
