Credit Repair Service In Houston Recommends Keeping A Healthy Credit Score

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Credit Repair Services HoustonI Did Not Realize Keeping a Healthy Credit Score Was So Important

Keeping your credit healthy is very important as you move forward.  Managing your personal credit profile is second to managing your “health”. 

 Having Healthy Credit Takes Work

We all understand we are unable to eat bad food and eliminate our exercise regimen in order to remain “healthy”.  If you want to establish a healthy mix of credit, it is not wise to pay your bills late or stop paying on your bills, forcing unpaid items into collections. 

Credit Repair Service In Houston

Prior to enrolling in a credit repair service in Houston, you must know where your credit is currently.  The first step to having healthy credit is pulling a credit report once a year to see what information is on the credit report. 

Can I Obtain a Free Credit Report?

 You can obtain a free credit report once a year from www.annualcreditreport.com.  

What Is The Purpose of A Credit Report?

The credit report paints a picture to a bank or lender determining the likelihood of a consumer will be to pay back the amount borrowed. 

How Did My Neighbor Buy A Car Without Showing Income Documents?

If the credit scores are high, the risk is low.  This is the reason somebody with a 700 plus credit score has to show limited income documentation while applying for any type of financing.  A borrower with such a high credit score has earned this right showing previous payment history to be impeccable. I

Lower Credit Scores = High Risk

f the score is low, the risk is high.  A consumer may be asked to provide additional  information when applying for any type of loan.  Unfortunately in today’s banking market, the reason your mortgage was late or the fact that you were not able to pay a bill has no relevancy in the approval process. 

Credit Repair Service In Houston’s most frequently asked question

How do I obtain an 800 credit score?

 An 800 credit score is not something you achieve overnight.  An 800 credit score is a lifetime of being financially responsible.  Consumers must learn that restoring your credit is like maintaining a healthy nutrition program.  It is not something that happens instantly, it takes months and years of exercising good financial habits.

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