Credit score simulator & Boost

Your credit score is derived from your credit report, essentially serving as your spending and repayment report card. However, credit reports frequently contain inaccuracies, which can negatively impact your score. Our objective is to ensure the accuracy of your credit report, enabling you to achieve the highest possible score. With the aid of credit counseling, we assist in establishing positive accounts to strengthen your creditworthiness.

We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.

After you have successfully completed the sign-up process, we will initiate the process of rectifying any incorrect information in your credit report. Our program also equips you with the necessary information to continue your efforts in improving your credit score.

 Fill out the form on the website or you book a consultation from our website and someone will be in contact with you within 24 hours.

Our Start-up fee is $99. The monthly fee is $99 per month. All in order to stay on the programe you have to continue enrolling for $27.99  so that changes in your credit can be monitored 

You can expect to see results in at least 30 days, with it taking up to 90 days in some cases.

There are many things that can affect your credit score, but for now let’s go over the main negative and positive factors.

Negative- Collections, Charge- offs, Repos, Loans, Delinquent accounts, closed account, Medical Bills and Late Payments.Positive- Long and
Positive Credit History, Low Credit Utilization, Positive Trade Lines, On-Time Payments and Paying More Than the Monthly Minimum On Payments.
Each person’s credit report is different and each item on the report holds a different weight. If your score isn’t rising or is declining slowly; the main issue causing this is simply that the weight of the negatives is outweighing the positives. If you have been making your payments on time, but your credit utilization rate is above 30% then you may see a slow increase. If you are to remove any negative items but don’t have much positive credit recorded underneath, then you may experience a small decline in your score or a very small increase. On the other hand, if you remove many negative items and underneath you DO have positive credit, your score will rise 90% of the time!

NO, there are no binding contracts, you are allowed to cancel service at anytime with no questions asked. There is a customer agreement that must be signed. The customer agreement outlines our responsibilities as well as your responsibilities as a customer while receiving credit repair services at Legacy Financial Builders

Your payment history is one of the most important credit scoring factors. Having a long history of paying different types of accounts on time can help you build excellent credit, while missing payments can hurt your credit.

If late payments are hurting your scores, removing late payments from your credit reports may be an option. For example, if a creditor reported you late when you paid on time, you can file a dispute with the credit bureau to get your credit report corrected.

The first step in figuring out how to remove a late payment from a credit report is to review your credit report and now what should and shouldn’t be there.

Anybody who lives in the same household can get the family plan. You do not have to be married.

Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process. their credit score within the first 45 days of signing up for credit repair. The reason we cannot provide you with an exact time frame because credit scores are based on five factors that impact the actual score, these five factors include, length of credit, types of credit, new credit, payment history and amounts owed.

Your personal information will not be shared with anybody. The only time information is shared would be with an affiliate partner who is a part of the dispute process. their credit score within the first 45 days of signing up for credit repair. The reason we cannot provide you with an exact time frame because credit scores are based on five factors that impact the actual score, these five factors include, length of credit, types of credit, new credit, payment history and amounts owed.

Every situation is different, but most customers see an increase in their credit score within the first 45 days of signing up for credit repair. The reason we cannot provide you with an exact time frame because credit scores are based on five factors that impact the actual score, these five factors include, length of credit, types of credit, new credit, payment history and amounts owed.

Because everyone’s reports are unique, scores will range differently each month for each individual. We have had clients with points ranging between 30-90 points each reporting period. It all depends on what is reporting, revolving credit, utilization and other factors. That is why SMARTCRES  hold your hand every step of the way so that you can get the best results as possible.

We provide each customer with one FREE credit consultation and a free credit review if you have your credit report handy. Book Consultation Now

Kindly call us or send us an email