We offer Birmingham credit restoration services that you can trust. When it comes to credit, one of the questions that unfortunately does not have a simple answer is what affects your credit scores.
Credit scoring can be quite difficult to understand and involves several categories. Let our professional help we provide credit repair services in Birmingham AL that can help you fix your credit scores.
Credit scoring categories
- Percentage of debt
This refers to the ratio of available credit against your credit balance. Our team is highly respected when it comes to Birmingham credit score repair. We can help fix inaccurate items on your report.
- Payment history
This is perhaps the most important factor which determines late or missing payments. Cleaning your payment history is important, which is why teaming up with us to provide you with Birmingham credit repair services is a smart move to fix any errors.
- Types of credits
Mortgage companies will look at whether you are experienced in different types of credits such as credit cards, loans, and more. Acquiring Birmingham credit restoration services can provide you with the information you need with less hassle.
- Age of credit
This is how long your account has been in existence. The rule is usually you must have at least six months of credit history to improve your credit score. There is no quick fix, but our credit restoration services in Birmingham AL works to develop a customized approach and ensure results are achieved.
If you have a large number of applications or inquiries within the past twelve months, it can adversely affect your credit score and lenders do look at this. Other credit repair services in Birmingham AL might miss this by thinking it has a small impact on your scores, but it can impact your credit scores heavily.
If you have been turned down for a loan or credit because of embarrassing credit history, you need to get help from the professionals who can provide credit score repair in Birmingham AL.
Reach out to us to learn about our Birmingham credit restoration services. We have a proven track record of cleaning up inaccurate items and errors in credit reports. Contact us today!