Ryan Davis
Credit Repair Specialist
Jacksonville, Florida
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"Credit repair isn't just for people who cannot be approved for a loan, a higher score can sometimes improve your rate by a whole percentage point. I pride myself in being able to
save our clients money and by helping those who may not have good enough credit to get a loan.
I can improve your credit score, alot of times DRAMATICALLY, in as little as 80 days.
Contact me to go over your current credit scenario to see if I may be able to save you money, or help you get on the road to home ownership"
R.Davis - Florida Certified Credit Repair Specialist |
How can you improve your credit score?
Repairing your credit score has never been easier. At Windsor Capital we have on staff credit repair specialists that will work towards improving your score and get you into a better rate for your mortgage. There are many ways our specialists can help . Believe it or not, simply opting out can improve your score. Ask one of our on staff Jacksonville Credit specialists today on how they can help. There are many predatory companies on the market claiming to do credit repair for you, so please be aware when making a decision to trust someone with your choice. Keep this in mind.. noone can promise adjustments to your credit report, and most of the time a one-time low cost $500 fee, is too good to be true. Make sure that the company you chose is in good standing with the BBB and if you want a second opinion, feel free to contact us, we will be glad to give you a second opinion.
Make sure that the information each of the three credit reporting bureaus has on you is consistent and up to date. Order a copy of your credit report about once a year, and dispute any inaccuracies.
Note: Theoretically, if a series of credit reports is requested on your behalf during a limited amount of time, your score goes down until time passes without any inquiries. Changes in the law though have made "consumer-originating" credit report requests not count so much. Also, a series of requests in relation to getting a mortgage or car loan is not treated the same as a number of credit card requests in a limited time. This is because the credit bureaus, and lenders, realize that people request their own credit reports to keep up with what's on them, and smart consumers shop around for the best mortgage and car loans.
Unsolicited credit card solicitations in the mail don't count against your credit report, so don't worry.
The two main components of your credit score are your payment history and the amounts you owe. Bankruptcy filings and foreclosures, which can stay on your credit report for as many as 10 years, can significantly lower your score. It's never a good idea to take on more credit than you can handle.
Late payments work against you. It's extremely important to pay bills on time, even if it's only the monthly payment.
Dont "max out" your credit lines. Since the size of the balance on your open accounts is a factor, lower balances are better.
It's said that by carefully managing your credit, it's possible to add as much as 50 points per year to your score. Learn more today by calling us for a free consultation.
