Bad things happen to good people.
Good people make bad mistakes.
Either way, we’ve got you covered.
Young and Wild
I treated my credit like it was not big deal. I was never taught credit in school and I just didn’t understand the damage I was doing. I want to have great credit but where do I even start?
I Tried, Life Happens, I’m Ready to Work
My identity was stolen, someone used my credit without permission, that item SHOULDN’T be on my report! I literally have things on my report that SHOULD NOT be there.
Drowning in Debt
Maybe you filed a bankruptcy or just got in over your head. It was like a slow train wreck, you knew what was happening but at the end of the day the bills outweighed the money. You’re ready to get back on track but you want a team to speed things up, handle the heavy lifting, and protect you along the way.
The Cost of Bad Credit
If you have bad credit, you understand the challenges you face as a result. However, have you ever really calculated the estimated amount of money that a poor credit score is costing you? You might be shocked to find out just how much it is — it saves you thousands of dollars to seek credit help as soon as you can!
When you improve your credit, you avoid the costs associated with bad credit, including:
Inability to qualify for loans
High interest rates
Steep insurance premiums
Difficulty finding a job
How Much is Bad Credit Costing You?
Financial experts estimate that a less-than-perfect credit score can cost the average American tens of thousands of dollars over the years, since you’ll be paying higher interest rates on everything from mortgages to retail credit cards — if you can even obtain those things. One conservative estimate is that a lower credit score costs the average consumer $4,500-$6,000 per year or over $75,000 or more in a lifetime due to extra charges that are assessed simply because of your bad credit score.
What does this mean for your bottom line? When it comes to mortgages, auto lending, credit cards and insurance, the higher your score, the lower the interest rate you’re going to pay. Seek credit help today to save you thousands in the long-run!
Bad Credit & High Insurance Premiums
It is not only your credit cards, mortgages, and other loans that are impacted by poor credit scores. A low credit score can also cost you more when it comes to your auto and home insurance.
Insurers use credit scores as one of the key factors to determine what is known in their world as an insurance score. Some studies find that people with lower credit ratings file more claims, which obviously makes them higher-risk. Many theories have been tossed around as to why.
One of the more popular theories is that low-credit-score individuals are more likely to defer important maintenance on their cars, homes, etc. The impact of credit scores on insurance rates can vary depending on the company and state you live in. Some insurers only use insurance scores for screening new customers, while others routinely check the credit of existing policyholders when it’s time to renew. Consumers can improve their chances of qualifying for the best premiums available to them by keeping their score in the mid 600’s or above. Working with a credit restoration agency is one of the best ways to improve your credit.
How Much Does My Credit Guy Cost?
Unlike other credit restoration agencies, we do not charge any upfront fees. This means that you don’t pay anything until your 30th day of service — your credit review, individualized game plan, and credit analysis are totally free.
After 30 days of service, your rate depends on whether you are an individual or couple.
- $399 Individual which then drops to $89
- $699 per Couple which then drops to $109
On average, it takes us only two-to-four months to improve our client’s credit. This means that we not only provide zero upfront fees, but we also have much faster turnaround times than other credit restoration agencies.
Our goal is simple: get you in, fix up your credit, and send you back to the lending table.