And START Enjoying a Higher Credit Score.

Today I want to answer the question, Should I pay for Credit Repair or Tradelines? Well the short answer is NO. Why in the world would you pay for something that you can do on your own? If you want to pay for something, pay for the education you need to be able to do it yourself. Education will last a lifetime. Paying somebody else to do what YOU can do for free, will last for the one time you purchase it…if it lasts THAT long, and IF they can produce the results they say they can.



If you want to Fix Your Credit, Build Your Credit, or Maintain the Credit You already have Go To:

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Facts You Need to Know

Credit is about Risk, risk for the lender, not for you as a consumer. The score YOU see when you look one up with credit karma or your bank MAY NOT be the one a lender uses when they qualify you.

It is said that FICO has as many as 500 Algorithms that they use to determine credit scores. This I can say for sure: They have more than 50 scoring models that are public and then Vantage Score, who might be the new kid on the block but is definitely shaping up to be a contender in the world of credit reporting and scoring has multiple models as well.

I am not a credit repair service nor am I a trade line service. I don’t fix your credit, I don’t promise to fix your credit, and I’m not going to sell you somebody else’s credit so that you can make your credit better. Not only do I see that as unethical, it is well known that you can fix your credit yourself and frankly, the way the laws are written, if you hire a credit repair organization in the credit reporting agency figures out that you hired a credit repair organization they will simply ignore your disputes and you’ll have that item stuck on your credit report for the next seven years.