Credit Repair experts at Impeccable Credit Services explain how to fix bad credit in the latest blog.
Why Do I️ Have Bad Credit?
Bad Credit can come from anything from collections to late payments. I️t can also derive from lack of credit. Some people think that less is more when it comes to a score, but in fact a lack of can hinder the score. Your score is based off of your history, revolving accounts.Often times we think that a collection hurts the score more than a late payment. That is actually a false statement. Thirty day late payments can be worth 40-45 points negative against the score.
How to Fix It:
DIY is an option. Consider your score as open heart surgery. Do you want your friend to do surgery or would you prefer someone with knowledge and experience in their field? Do your research on professionals in the field. Keep in mind not all companies are made equally. Make sure they have physical locations, trusting staff, experience in the field. A company should be able to provide reviews as well as results to an individual. Accurate timelines are also important. You do not want to be in a program too long, but you also do not want to be lied to based off of your expectations.
Impeccable Credit Services has been in business for 18 years. With over 20+ years in the financial field, the owner, Vanessa Perry curates a custom plan for all of the clients. Typically each client is in the program between 6-12 months. We have 2 physical offices in the Houston area and we are able to service all 50 states. Our goal is to educate others while making their credit Impeccable. If you have any questions please feel free to contact our office 713-378-1500.