How Our Process Helps To Improve Your Credit Score

Analyzing Your Payment History

A large part of managing your credit score — and repairing it if need be — has to do with how frequently you pay your bills on time. Late payments are one of the first component creditors look at, so not keeping up with your bills can seriously affect your overall score. Rock Credit Repair’s credit consulting sessions start by analyzing the nature of your past payments and setting up a plan to ensure you pay the minimum on time every month.
A man is stressed over his credit card bill.
 A woman holds up her three credit cards.

Reviewing Your Credit Card Capacity

What may be surprising to most is that it’s not just how much you owe on a credit card that can affect your score, but how much of the available credit you’ve used. If you are regularly using 80% to 90% of your available credit, or even exceeding the limit, it can cause your overall score to drop dramatically. During our credit consulting sessions, our experts work with clients on avoiding large balances and keeping them at 10% utilization.

Determining Your Credit History & Type

If you have a relatively short credit history — or you haven’t had your credit card for very long — then your score may be lower than someone with several years’ worth of history. As far as the overall credit type, it’s beneficial to have an assortment of active accounts: Mortgage, Installment and Revolving. If you don’t have all these open accounts, Rock Credit Repair’s consultants can help! We’ll set you up in a situation where your history and account types work for you rather than against you.
Young colleagues testing hi-tech devices in the office.
A businesswoman reviews her credit report.

Avoiding Adding New Credit

As your credit accounts age, they will naturally cause your credit score to increase. Therefore, it isn’t wise for you to constantly close old lines of credit and open up new accounts; both of these actions will cause your credit score to suffer. Through our credit consulting services, we can help you change ascertain habits to ensure your score has a chance to grow and change in a positive direction.

Give Rock Credit Repair a Call

If you notice your finances are in trouble, contact Rock Credit Repair’s credit consultants for restoration advice! Visit us at our Round Rock & Dallas, TX locations or online!
Repair Your Credit With Us Today!
© All rights Reserved Rock Credit Repair 2020

Web Design by DesignPlus

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram