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Credit Repair Seattle

Don't Miss a free consultation!

from the best Credit Repair Seattle Service

Are you being denied when applying for new credit cards?

And if you get accepted your rate is over 20%?

With a deal like that, you will never be able to save any money!

Well, you need a company to fix your credit as soon as possible.

From 2013 until now, we have helped over 11,000 people and have been named as one of the best credit repair companies in Seattle, WA since that year.

Taking the first step to repair your credit is hard.

We understand that.

You are not sure how credit scores are calculated, how soon you can see improvements, and if you credit score can be improved - right?

There is a lot of things that you don't know.

Most likely, YES, you need a credit repair company

That's why Credit Repair Seattle offers a FREE credit repair consultation over the phone.

That's right, it's 100% FREE.

No obligations, no contract, you don't have to sign up.

Call us today (206) 309-6276)for a FREE credit card consultation - we will see what is going on with your credit and tell you how you can fix it, if you would like us to fix it - we will do that.

You can expect to see results within 60 days. Seattle credit repair can help you today.

Credit Repair Seattle

When you look at the “good” statistics that show high salaries of the people of Seattle, you must realize that they don’t talk specifically about the low earners or people who have had credit issues for various reasons.

You or someone you love might not be enjoying the best Seattle lifestyle, and the increasing costs of living in the city might just be worsening it for you. Now is the time to hire the right credit repair professionals and join the ones that make it into the happy statistics.

Credit Repair Seattle will help you get the best credit score possible - most of our clients start to see results in 60 days!

it's about your credit

What Credit Repair Seattle Means?

A credit score acts like an indicator light of the health of a person’s credit. Your credit can be in good or bad health depending on how you have been dealing with your debts in the past. Banks and any other lending institutions forward the loans to you only after knowing the health of your credit history. The loan they give you is their investment, and a low credit score means increases the risks associated with that investment.

In simple words, your low credit score tells them that their investment might not be a profitable one. But how do they know about the score? You have TransUnion, Experian and Equifax, three major credit bureaus that keep a detailed record of all the debts you owe and how you have been repaying them. When you are on schedule with your repayments, it boosts your credit score. When you miss your payments or delay them for any reason, they record them as negative events on your credit history causing your credit score to go down.

The Various Components of Credit Score

At this point, it must have interested you to know how you can maintain a good credit score. The good news is there is a lot in your hand to not only maintain a good credit score but boost it too. Take a look at these five components of the credit score.

  • The history of your payments
  • Owed debt/Available credit
  • Types of credits
  • Length of credit history
  • Number and nature of credit inquiries
The major credit bureaus mentioned above are considering these five factors to come up with the final credit score. They are recording your good and bad payments on your credit cards, car loans, home loans, etc. The owed debt or available credit part shows your financial health. If you have used up all your available credit limits, that’s not a good sign. It helps boost your score when you have a mix of many different types of credits.

People who have just received their social security number might think they have the best credit score but short credit history does not favor you much. The longer the credit history, the easier it is for lenders to assess you before forwarding you the loan. Lastly, you want to avoid applying for too many loans and credits because high volume of inquiries is not good for the health of your credit history.

credit repair in Seattle

Components That Make Up Your Credit Score / Repair?

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
To determine your average credit score, the major credit bureaus consider all of these five variables. Keep in mind that they are record all your positive and negative events whether they are related to your car loans, credit cards, or home loans.

The available credit element indicates your financial health. It is not a good sign if you have exhausted all your available credit limits. If you have a diverse combo of different types of credits, it helps improve your score.

And do not think that you will have the best credit score if you have recently received your social security number as a brief credit history is not favorable.

Last but not least, do not apply for too many loans since high volume of credit inquiries isn’t good for your credit history or your credit score.

All Five Factors of Your Credit History Make up a Percentage of It

how credit scores work?

Recent Inquiries and Credit Card Types

The recent inquiries that lenders make into your credit history can affect it by 10% at most. Similarly, using many different types of credits can boost your credit score by 10% maximum. It also means that each of these factors can lower your credit history by 10%.

Length of Credit History

As stated above, a small credit history is not going to have a positive impact on your credit score. A person who has just received his social security number will not start from a maxed out credit score. The length of your credit history can impact your score by 15%.

Unpaid Debts

This is where things start to get “really” serious. You should try to use only a small portion of the credit you have available from the banks and lenders. Unpaid debts will affect your credit score by 30%. When will it affect your score negatively? When you have used a major portion of your available credit or all of it.

Payment History

The factor with the most serious impact on your credit score is your payment history. When your payments are in good standing, you could boost your score by up to 35%. Even a single missed payment on a debt can leave a huge dent in your credit history.

Impact Of Credit Scores On Financial Products

credit cards

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.

Raise Up Credit Repair Firm’s Stories - Seattle Credit Repair

credit repair of  Seattle review

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

credit repair in Seattle review

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

credit repair company in Seattle review

Results have been fantastic! In such a short amount of time, I am so impressed with Raise Up Credit Repair, 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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With Credit Repair Seattle - You Will Be Able To

780 credit score
Work to improve your credit reports
780 credit score
Receive a free summary report and credit score
780 credit score
Talk with a credit consultant about your reports
780 credit score
Access online dashboard with updates
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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