Credit Audit

At Credit Solvency, we know that your credit score is an important factor in your financial life. It can impact everything from the credit cards you’re eligible for to the interest rates you’re offered on loans. That’s why we offer credit audit services to help you understand your credit score and take control of your financial future.

Our credit audit process is simple and straightforward. First, one of our experts will review your credit reports from the three major credit bureaus: Experian, TransUnion, and Equifax. We’ll look for errors, inconsistencies, and other factors that could be impacting your credit score.

Next, we’ll provide you with a detailed report of our findings, along with personalized recommendations for improving your credit score. This may include disputing errors on your credit report, creating a budget and paying down debt, or applying for new credit accounts.

At Credit Solvency, we believe that everyone should have the knowledge and tools they need to take control of their credit. That’s why we offer our credit audit services at an affordable price. Contact us today to learn more and schedule your credit audit.

What are the main factors that impact your credit score ?

There are several factors that can impact your credit score, and the relative importance of each factor can vary depending on your individual credit situation. In general, however, the following factors are typically considered to be the most important for credit scores:

  1. Payment history: Your payment history is one of the most important factors in determining your credit score. Lenders want to see that you have a history of making on-time payments, and late or missed payments can negatively impact your score.
  2. Credit utilization: Your credit utilization ratio, which is the amount of credit you’re using compared to the amount of credit you have available, can also impact your credit score. High credit utilization can be a red flag to lenders, so it’s important to keep your balances low and avoid maxing out your credit cards.
  3. Length of credit history: The longer you have a credit history, the better your credit score is likely to be. This is because a longer credit history can show lenders that you have a track record of responsible credit management.
  4. Credit mix: Having a mix of different types of credit accounts, such as a mortgage, car loan, and credit card, can also help to improve your credit score. This shows lenders that you can manage different types of credit responsibly.
  5. New credit: Applying for new credit accounts can also impact your credit score, especially if you’re applying for multiple accounts in a short period of time. This can be seen as a red flag to lenders, so it’s important to be selective about when and how often you apply for new credit.

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Your credit score is a reflection of your financial responsibility. If you want to rebuild your credit, you need to be willing to take responsibility for your past mistakes and work to make things right.

        Jean Chatzky

The best time to start rebuilding your credit is right now. Don’t wait until you really need good credit. Start taking the steps to get there now.

        Suze Orman

Rebuilding credit is like building a house. It takes time, but with a solid foundation and a clear plan, it can be done.

        Dave Ramsey