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Credit Repair Atlanta

Don't Miss a free consultation!

from the best credit repair in Atlanta GA

If you are looking for a Credit Repair Atlanta service that will increase your credit score in the next 60 days, look no further.

We've been helping residents of Atlanta for over 23 years now.

Raise Up Credit Repair is your local credit repair company that will be able to remove negative disputes, inaccurate items and increase you credit score.

Don't delay repairing your credit any further, because unfortunately it won't repair by itself.

Call us today at 678-203-9077 for a FREE consultation with our well-educated credit repair experts!

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How Does Your Credit Score Work?

Repairing your credit score means you want positive events to appear on your credit history and get rid of the negative ones.

It is extremely important to know what elements make up your credit score before you go about improving it as you will have a much better idea of what you must and mustn’t do to improve it.

There are many variables that make up your credit score which are as follows:

  • Available credit
  • Your payment history
  • Length of credit history
  • Recent credit inquiries
  • Credit type
Credit utilization, also known as, available credit is one of most important components of your credit score.

Note that only because you have credit available, it doesn’t mean you need to use hundred percent of it. According to financial experts, it is ideal to keep your credit utilization lower than 30%.

Remember that your payment history informs the lenders how prudent you’ve been when it comes to repaying the sums you owe your creditors.

Your credit score will be negatively affected, when you miss your or delay your bill payments.

Length or term of your credit history is another key component i.e. the more data lenders and creditors have on you, the better decision they will make.

Keep in mind that when it comes to type of credit, it is ideal that you mix your revolving and installment accounts in suitable proportions to achieve the optimum score.

Last but not least, keep credit inquiries as few as possible. Excessive inquiries on your credit history tend to give a negative signal.

What’s The Meaning Of Credit Repair?

In simple words, your credit score is an indicator of the health of your credit.

Depending on the way you have dealt with your various debts in the past your credit score could be good, average or bad.

Note that commercial banks, credit unions and other similar lending institutions will only extend a loan to you after they know how healthy your credit score and history is.

For these institutions, any loan to you is an investment in their books, and a bad credit score considerably increases the various risks, such as overexposure, associated with the investment.

To put it simply, if you have a low credit score, it indicates them that their decision to lend you money can go awry.

But how do the banks know your credit score?

Well, there are three major credit bureaus that keep a detailed record when it comes to all the debts you owe and how you’ve been repaying them.

These are TransUnion, Experian and Equifax.

You must have heard of them.

When you make your payments on time, it enhances your credit score.

On the other hand, when you delay or miss your payments for any reason, they are recorded as negative financial events on your credit report and cause your credit score to decline.

Calling Credit Repair Atlanta today will not hurt you, it's a FREE consultation without any obligation. Talk to our friendly experts and find out your current credit situation.

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Our Reviews

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You were very professional and willing to help with my situation. Lexington Law does not pass judgement and I can hear the care and concern of my situation. Sympathetic Joshua B

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Results on solving my issues have been excellent. The Customer Support has been overwhelmingly fantastic! Choosing this Atlanta Credit Repair company has been by far the best choice I could have made, I look forward to our continued success in repairing my credit.Gail L

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Atlanta credit repair says: Results have been fantastic! In such a short amount of time, I am so impressed with this Credit Repair Company in Atlanta, I would recommend it any and everyone. We are hoping to have the credit to purchase a home this time next year. The client dashboard rocks, so informative.Andrea P

Contact Credit Repair Service of Atlanta Today!

You will see your credit score increase in 60 days!

The Consultation is FREE!

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Some information has been taken from:

Baesens, Bart, et al. "Benchmarking state-of-the-art classification algorithms for credit scoring." Journal of the operational research society 54.6 (2003): 627-635.
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Friedman, Nir, Dan Geiger, and Moises Goldszmidt. "Bayesian network classifiers." Machine learning 29.2-3 (1997): 131-163.
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