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Credit Repair

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credit repair

Credit Repair

If one or more of these elements contains an error, your credit score will not be accurate. For example, if there is a discharged bankruptcy on a credit report, removing it could result in an increase in your credit score. Credit repair services like Top Credit Repair review your credit report and work on your behalf to fix errors, inaccuracies and out-of-date information to get you a better credit score.

credit repair

Repair Your Past

Bankruptcies, tax liens, accounts that have gone to collection agencies and charged-off accounts are all key details that could impact your credit score. Having an expert working on your behalf is important, since the process of fixing bad credit can be complicated. The goal of a credit repair service is to get the most accurate picture of your credit and help improve your credit score.

Present and Future

Monitor Your Present

Residents in the Baltimore, Maryland and Washington, D.C. areas should consider the importance of their credit scores. In a 2015 survey of 200 metropolitan areas, major cities in Maryland were in the bottom half of the rankings by credit score. Washington D.C. fared better, with residents having the 62nd best credit scores in the nation, but the metropolitan area can definitely benefit from a credit repair service.

credit repairs

Build Your Future

Whether you’re getting ready to buy your first home, are in the market for a new car or just want to be sure that you have the highest credit score possible, consider working with Top Credit Repairs and optimize your credit score.

It has never been more important to have a good credit score. A credit score helps determine your eligibility for a mortgage or car loan and also impacts the interest rate that you pay on these important loans. A borrower with bad credit may pay several thousand dollars in extra interest on a loan compared to someone with a good credit score.
What’s more, mobile phone carriers, car insurance companies and even utilities are using credit scores to see if you qualify for their best programs. If you don’t, you may end up paying a deposit or not qualify for incentives such as free smartphones.
A study from the Federal Trade Commission found that 25 percent of consumers identified errors on their credit reports that could affect their credit score. Making sure that your credit report is current and free of errors is best handled by a credit repair company. Credit scores are complex, and experts who help fix credit scores can help by removing mistakes and outdated information. The same government study found that four out of five consumers who disputed an error had a change in their credit scores. This is where a credit repair service will help the most.
How does a credit repair service fix your credit score? Your credit score is made up of five different components, according to FICO:

  • Payment history
  • Accounts owned
  • Length of credit history
  • New credit
  • Credit mix
Customer Feedback from some of the Recent Clients


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