Credit Record

In a data-driven world, your credit record is your reputation, and false information can have deep repercussions. Bad credit can stop a loan cold. A landlord can refuse you a lease. An insurer can raise your premium. A prospective employer can turn you away. Your credit report details your credit history, and your credit score is a numerical expression of those details. That three-digit number—FICO, the most widely used score, goes from 300 to 850—is part of what lenders and other potential creditors use to judge you. By one estimate, if you make a credit-card payment 30 days late, your FICO score could drop by as much as 100 points. A drop from a high score of 780 to an OK score of 680 could add an additional $828 per year to a $300,000, 30-year fixed mortgage, or $24,859 over the loan’s life, based on recent interest rates.

With a credit sweep we remove all the negative items (Equifax, Experian, Transunion) Charge-offs, Collections, Late payments, Foreclosures, Bankruptcies, Repos, Judgments, Evictions, Child Support, Tax Liens, Short Sales, Student Loans and Much More! We remove all negative items and keep on all the positive items. This program will have your personal credit profile as good as new in about 60 days. We can even add trade lines to it to get you loans
or to help you qualify to purchase a house.