Feeling the Impact of your credit score?
FRS Credit repair shows you that a credit score is not an arbitrary number, calculated by an invisible credit agency with no real bearing on your life. Just the opposite. Bad credit can cost real money and increase debt.
Credit Cards
Consumers with less than stellar credit can only qualify for less attractive credit cards. These cards often have higher interest rates, monthly fees, lower credit lines, and even cash deposits. In many cases they make it difficult to maintain a positive payment record, and credit card issuers often fail to report your positive credit activity to the credit bureaus.
Car Loans
When trying to buy a car with bad credit, you will not qualify for the lowest interest rates available. This often translates to thousands of dollars more in interest payments over the life of the loan in the form of a substantially higher monthly payment.
Home Loans
As you might imagine, the effects of bad credit are most evident with larger purchases, such as when you are trying to buy a home. For most people, a home is the largest purchase they will ever make. If you have a poor credit score, you may not qualify or may end up paying thousands of dollars more in interest over the life of the loan.
Other Factors
A low credit score indicates to lenders that you are a high-risk borrower, and they may not be willing to lend you money. Poor credit can cost you on average $350 per month or $4,200 per year in higher interest rates, higher housing costs, higher insurance premiums, and increased security deposits. Missed opportunities may include qualifying for better jobs.
Our credit repair can improve your credit
We utilize the latest laws regarding your consumer rights to verify and validate the information reported by the three major credit bureaus (Experian, Equifax and TransUnion) and your creditors. Our specialized approach forces the legal removal of inaccurate and unverifiable information, resulting in an increased credit score.
Our credit repair process is led by credit report and credit score experts who determine the best plan for raising your credit score. Usually, some simple steps will improve your rating right away, such as paying off certain credit cards or reducing your balances. Our credit experts then go through your credit report, validating each item line by line.
Our specialties include:
- Collections
- Late payments
- Tax liens
- Charge offs
- Judgments
- Repossessions
- Bankruptcies
- Medical collections
Why work with us
FRS Credit is a top pick for credit repair services because we are an honest, ethical company that follows the best practices. Our services are handled by our experienced credit experts, and we utilize specialized software and technology. Clients have access to their online file 24/7, as communication is very important to us. Our credit restoration services will speak to all three credit bureaus on your behalf, and we guarantee that we’ll improve your credit report and scores.
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Whatever your future holds, make sure your credit is working for you and helping you meet your goals to provide for your loved ones.