Earning more money is a step towards financial stability, but your prospective lenders will most likely turn in your credit score’s direction when deciding on granting you a loan. The higher your three-digit representative, the better your chance of landing agreeable terms, low interest rates, and many other perks that come with excellent credit.
Checking your credit score for your personal reference is within your rights, and it will not lower it, despite the popular opinion. Keeping tabs on your credit affairs is the best guarantee that everything is in the right order, allowing you to gain all the rewards good credit can offer. Here’s why:
Knowing where you stand with your creditworthiness will help you tremendously when applying for a personal loan, new credit card line, refinancing, or thinking about buying a house. By checking your credit score frequently, you can be quite certain of what to expect in the long run. This also applies to the interest rates you might be paying. If your credit score could use some improvement, it might be better to put those plans on hold until you work on preparing strategies for credit repair. It might be particularly helpful to keep tabs on your credit score when applying for a mortgage loan before the pre-approval process begins, as it might give you room to rethink the plan and know how to proceed.
Checking your credit score and finding out it is not what you expected or would like to see can be truly heartbreaking, especially if you made some purchasing plans. But that knowledge can finally motivate you to take a peek inside your credit history report. The sophisticated computerized credit system happens to be effective but may also make some damaging mistakes. Knowing what to look for on your credit report will help you identify any inaccuracies that may be sinking your credit score. These errors, which are extremely common and happen among twenty percent of all consumers, can be easily and permanently disputed with the three credit bureaus and your creditors. The entire dispute process can take roughly up to thirty days, which is also essential to know before jumping to buying a house or new furniture.
Tip: You have three distinct credit history reports, and you can access them for free once every twelve months from all three nationwide credit reporting agencies: Equifax, TransUnion, and Experian.
Starting the credit repair process is not enough – you need to be on constant alert throughout the journey. That’s why credit repair companies continuously monitor your improvements, all the credit activity, and your credit score. It is a time-consuming process but worth it in the end. Checking your credit score gives you the ability to see what is working and what might need another strategy. Seeing the improvements and boosted credit score also provides motivation and may affect your future financial decisions and behaviors!
Possibly one of the most important reasons for checking your credit score on a regular basis. Fraud is widespread and can permanently and irreversibly damage your credit score. Monitoring the activity on your credit report will give you control over what is happening and what is affecting your credit score. Sometimes we make slips that we do not realize can impact our creditworthiness by being reported to the credit bureaus. As we learn from our mistakes, we know what to avoid when it comes to our financial capacities.
Based on your credit history, the bank can infer whether you are a credible and reliable customer. It all comes down to whether you are solvent and pay your debts on time. From the lenders’ point of view, the past and the present are directly related. If you were in arrears in the past, there is a high risk that you will do so now.
It doesn’t matter if you are applying for a personal or a mortgage loan – every bank always checks your credit history. Although creditworthiness is assessed differently in individual institutions, the credit history is taken into account in each case.
A good credit history increases creditworthiness and often contributes to receiving a positive loan decision. On the other hand, negative credit history may become the reason why you were offered worse conditions, higher interest rates, or even rejection of the application.
Banks are not the only institutions that screen your credit history report. Your prospective employer can ask you to sign a consent form to perform a credit check before hiring you, which has become standard practice, specifically in companies that handle large sums of money. A better credit report can also be a determinant in qualifying you for a promotion at work. In addition, renting an apartment can also include a credit check as potential landlords want to assess the risk before agreeing to lease.
A less than perfect credit report can have various causes. Factors that influence it to the greatest extent include:
We know that managing to keep a good credit score is difficult. One late payment here, another misunderstanding there, and before you know it, you've got a terrible credit score that you may think is beyond repair.
But that's just not true. Credit scores can always be repaired, especially if you're in New York because we're here to help you out!
With our solid, foolproof 3-step plan, you can improve your credit score in no time.
When you reach a bumpy road, it's okay to call for help! Just when you've thought your score has hit rock bottom, it can somehow manage to slide further down, and it will continue to do so unless you make the right decision. Debt is a never-ending rabbit hole, so it's best to start working now.
Once you call us and explain your situation to us, we might be able to offer you some advice on how to better manage your credit score.
After your free consultation, the next step in an in-depth analysis of your credit history. This may include looking at bills, investments, bonds, and loans. Our experts will analyze your entire account while constantly discussing the events with you to get a clear picture of what went wrong. Sometimes, it's not just missing a payment but recurring habits that adversely affect your credit score in the long run.
Our aim is not just to improve your credit score, but also to help you maintain a good score. Our team of experts will give you personalized advice that will help you maintain your new and improved credit score.
Once we've figured out what needs to be done and fixed, we look at disputes that need to be addressed. We come up with a proper plan to help you improve your score. This game plan can include everything from personalized tips to improve credit score and decrease piling debt as well as resolving past disputes on your behalf.
We basically give you sound financial education, which is seldom found in the real world. Not just this, but we keep an out on your account, monitoring your credit scores and habit. If there is something that you'll be doing wrong even after our consultations, our experts will very candidly point it out.
When you desperately need a loan for a house or a new car, your bad credit score may come back to bite you. Those late installments you pay can cause problems in your future. At Pyramid Credit Repair, we help you improve your credit score. We do so by contacting companies that have left negative reviews for your credit and getting to the root of the problem. With over 10 years of experience in the field, our team can swiftly scour your entire credit history and end credit disputes that have held you back for far too long.
Learn how we can help.
We help individuals improve their credit scores, both actively and passively. We know you're probably wondering how we're going to help you improve your credit score. To be able to answer that, we'll first need a little lesson in credit scores.
It’s just unconventional. Simple. Smarter. Better. Easier.
Call us or inquire online to learn more. If we can’t help, we’ll let you know. We’re not here to waste your time or money.
A helpful, knowledgeable Dedicated Account Manager is assigned to you and/or your significant other to formulate custom tailored strategy.
We work tirelessly with you to defend your case and optimize support to achieve favorable outcomes.
Many credit repair companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus (all three) — Equifax, Experian and TransUnion – before they can start. You either pay for them, or they charge you for them.
Professional Credit Analyst who will review your reports with you and help identify the negative items hurting the overall health of your reports.
As a credit repair company, we have an obligation to ensure that we can help you, prior to starting work – hence why it’s important to have the right to request for a refund if that’s the only other option.
A stellar reputation in our industry means lower costs and a clear mission, vision and philosophy. Customers are the best local advocates to help you get a more realistic picture of which credit repair companies stand out from the crowd.
Often companies will charge “initial audit” or “discovery” fees. Sometimes, even “cancellation” fees.
Over at Pyramid Credit Repair, we offer two plans to meet every one of your needs. One of our key features is that we have no hidden costs that will spring upon you out of nowhere. Both of our plans are complete packages that come with 100% coverage.
No additional costs.
Personalized game plan.
24/7 phone support.
No contracts. Cancel anytime.
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Personalized service for two.
Finance tools for couples.
24/7 phone support.
No contracts. Cancel anytime.
We offer a free assessment of your credit dilemma over the phone. Just call us, explain your situation to get a free assessment and advice for free.
At Pyramid Credit Repair, we are confident in our work, which is why we offer you a money-back guarantee. If you don't feel like your issues were solved adequately, you reserve the right to ask for a refund.
We have two plans that are complete packages for all your needs. Unlike other companies, which profit from charging clients hidden fees, we believe in complete transparency. This means you never have to worry about incurring extra charges when working with us!
A bad credit score can lead to many problems down the road. So, don't wait until your credit score reaches a point beyond repair.
Contact Pyramid Credit Repair today!Banks and other lenders are always risking their money when they give out loans to individuals, so they create an entire borrower's entire profile. These lenders also register your case with credit bureaus, which are tasked with keeping track of all your lending and loan returns. Credit bureaus are mostly automated these days, which means instead of reading your entire loan history, lenders rely on a computer-generated number (your credit score) to make a risk analysis for that loan. Your previous payment history plays a huge role in deciding your current credit score, think 35%, which is the most significant factor credit bureaus take into account.
While these credit bureaus are supposed to be reliable, they're sometimes not and can mess up your credit history. Sometimes misunderstandings between lenders and borrowers also affect your credit score and drive down your credibility.
On average, clients can expect to see a 103 point score increase over 6 months, with an initial 10 point increase in the first month. Due to the fact every single collector has different internal processes and ways of handling our disputes, we can never be too sure how long it will take. We try one strategy, see what the results are, and go from there. We provide monthly updates to let you know what's happened along the way.
We have been able to delete most kinds of negatives that exist on credit reports, including collections, charge-offs, bankruptcies, student loans, late payments, medical bills, utility bills, repos, tax liens, foreclosures, and many more.
We dispute negatives from the major bureaus that lenders care about- TransUnion, Experian, and Equifax.
They are private corporations (like McDonalds or Walmart), not government entities, that sell your financial history in the form of credit reports to lenders like BMW or Chase Mortgage. These lenders then evaluate your report to decide if you're likely to pay them back or not. If you have one or more negatives, you're likely to get denied. The FCRA and FDCPA give you the right to dispute any negative marks harming your creditworthiness. While there is no guarantee of removal, it's always a wise decision to try because the alternative can mean waiting 7 to 10 years before anyone will approve you, that's a long time!
Yes. If we're unable to remove any negative marks after 90 days (3 disputes) of work, we will refund any and all fees. No questions asked.
We charge an initial $199 audit, signup, and letter fee only after your initial disputes are sent.
By law we're unable to guarantee results of any kind. As an alternative, we offer our guarantee that we will refund fees if we don't get any results after 90 days. Any company that promises results is in direct violation of the Credit Repair Organizations Act and probably shouldn't be trusted. Unfortunately, many of them continue to do it and that is one reason the credit repair industry has a bad reputation.
We are an innovative team with a group of dedicated, passionate, and remarkable individuals determined to help you repair financial defects from your record and help discover ways to improve credit score. READ MORE
No part of this site may be copied, distributed or reproduced without prior written permission. The services of Pyramid Credit Repair and its affiliates may not be available in all states. Pyramid Credit Repair, assists consumers with credit reports that are inaccurate, misleading, unverifiable, untimely, incomplete or that otherwise contain incorrect information. All testimonials are from actual clients. Individual results may vary.
