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Credit Repair Miami: Top-Rated Miami Credit Repair Services You Can Count On

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You should not have to wait several years to continue your life only because of a couple of financial mishaps in your past.

has helped and supported thousands of clients who were in your situation in and near Miami and the greater Florida so they could carry on living the life they have worked so hard to attain.

For people who are looking to purchase a car or a home here in Miami, we could help you do that. Keep in mind that at the end of the day, with our top notch credit repair services you could save thousands of dollars or even more over the term of your loan.

Miami Credit Repair - Why You Need Help?

There are a number of basic things that you should know, before you set on your journey to improve credit.

To improve or repair your credit score, you are going to need some positive financial events on your credit history. In addition, you will have to get rid of all or most of the negative financial events.

Note that your credit score is not just a number as it gives a glimpse of your entire credit history.

So, in case a credit institution, like a commercial or retail bank or any other entity which extends credit, need to know more about your credit history, they are likely to review your credit report.

You will easily secure a loan if your credit history is in great shape.

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Understanding the Basics of Credit Repair/Score

The major factors that affect your credit score are as follows:

  • Payment History
  • Debt Owed/Credit Available
  • Credit Types
  • Length of Credit History
  • Credit Inquiries
Keep in mind that each factor provides a different perspective on your credit history. Payment history mainly focuses on how timely you’ve made all your debt repayments. In case you’ve been late in making these payments, they will appear on your credit history as negative events.

Note that when you get a credit card from a bank or other financial institution or apply for a loan, you have the option to consume it all. That being said, using up all your credit is a negative sign that reflects badly on your financial condition. This is why you should apply for different types of credits as that can leave a positive effect on your credit history. Another important thing is that your credit history should be spread over an extended period. This is because a short credit history does not provide lenders with enough information for your assessment before forwarding loans.

Last but not least, you should not allow too many lenders to pull your credit report as that’s a negative sign for credit bureaus too.

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.

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Components That Make Up Your Credit Score

Now that you know how credit scores can affect you, you may be interested to know how you could maintain and improve your credit score to turn your life around. When it comes to improving and marinating a good credit score, the great news is that there are lots of things you can do to get your finances in control. These are the five key components of your credit score.

  • Your payment history
  • Owed debt or available credit
  • Length of credit history
  • Types of credits
  • Nature and number of credit inquiries

Impact Of Credit Scores On Financial Products

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Your credit score can impact any credit-related financial products to a large extent.

In fact for loans, mortgages, credit cards and any other transaction in which lending is involved, your credit score will be considered a threshold that determines whether you get the funds or not.

If your credit score lies below 630 you will not be cleared for any funds, you may have to go the credit repair route for this.

Here, at Miami Credit Repair you will find the best customer service ever.

What's Affects Your Credit Score?

Your credit score is not just determined by how much you have paid back or failed to pay, there are other components that also affect this rating. Your credit score will consist of the following components

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Miami Credit Repair: History of Payments

Burden of Debt

Length of Credit

Credit Type

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Lexington Law Firm’s Stories

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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

Miami credit repair

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

Miami credit repair

Results have been fantastic! In such a short amount of time, I am so impressed with Lexington Law, 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

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You Will Be Able To

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Work to improve your credit reports
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Receive a free summary report and credit score
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Talk with a credit consultant about your reports
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