Want to improve your credit?
Understanding your credit score is an essential first step.
Want to improve your credit? Understanding your credit score is an essential first step.
Think bad credit will take care of itself? Think again.
A low credit score is not something that you can simply put out of your mind and hope will go away. Bad credit impacts your ability to qualify for loans, purchase or rent property, and buy new vehicles. Most alarmingly, this is something that can continue to cause issues even after you have paid off your debt.
A low credit score can follow you around for years.
You might not remember that time you fell months behind on your credit card payments…but you can be sure that Equifax and TransUnion do.
Fortunately, there are two effective methods for raising your credit score:
Removing Negative Items from the Report
Organically Building Up Your Credit
At HM Credit Solutions, we help with both.
Organically building up your credit is a great way to raise your credit score but there’s one pretty significant catch: doing this requires you to take actions that are often only possible if you already have a good credit score. You can’t pay back a car loan, credit card debt, or mortgage if you can’t qualify for these loans in the first place! In most cases, removing negative items from your credit report is a more practical option. At HM Credit Solutions, our team of specialized credit repair experts knows exactly what it takes to make this happen (regardless of your current score).
