Tier One Premier

For many, getting their first credit card is the beginning of their foray into the world of financial independence.

And the longer you build your credit history, the better your credit score will be.

Well, as long as you make your payments on time.

When did you get your first credit card?

Wait a minute…

Applying for more credit can hurt my credit score.

Canceling a credit card with zero balance can hurt my credit score.
What gives?!

Yes, managing your credit is more complicated than people give it credit for – see what we did there?! – but we want to help you out however we can, so feel free to reach out to us at any time :)

We understand that the banks will often turn down those who are most in need – all because of a bad credit score they were unaware of.

To make it even worse, this negative credit score may not even be their fault.

That's why at [insert custom variable], we have committed ourselves to helping anyone and everyone who needs to repair their credit – for whatever reason.

Because in the face of unjust bureaucracy, we all must have the courage to stand up as a community and take our share of the wealth.

So go out and start that small business – and if you are struggling to get a loan, give us a call.

We’ll bump up those numbers and help you to take control of your financial life!

Want an easy way to improve your credit score?

Use your credit! – It seems simple, but here’s a hot tip:

Using a variety of different types of credit will help you appear more capable of handling your finances. So whether you use a few credit cards, take out a business/auto loan, or pay towards a mortgage – the more you can use together, the higher your credit score will be!

So make your payments on time and watch that credit score climb!

Hey wait a second – can’t I just repair my credit score myself?

Glad you asked.

Legally, a credit repair firm can’t do anything for you that you couldn’t do for yourself. So why bother hiring help?

For starters, credit repair comes in many forms depending on your situation. It involves legal and financial expertise, as well as a large commitment of your time.

But where does all this time go?

One of the main aspects of credit repair is disputing inaccurate or false information on your credit report. The first step is to carefully review your credit report in order to identify the problem areas – then one must file a number of disputes with the credit bureau.

But of course, it doesn’t end there – it is necessary to consistently follow up with the credit bureau just to make sure that they are actually looking into your claim [facepalm emoji]

If you enjoy constantly calling and waiting on hold during business hours, then by all means do it yourself!

But if you have better things to do, give us a call and we’ll be happy to handle it for you :)

We are so glad we can continue every day to make a positive impact on our beloved community by ensuring that those struggling to receive a loan will receive what they deserve!
Thank you all for your support :)

I’m not so good with numbers… How do I know if I have a good credit score?
Thankfully, the answer is simple. There are 5 tiers of credit score:
-300-579: Poor.
-580-669: Fair.
-670-739: Good.
-740-799: Very good.
-800-850: Excellent.
But how do I check my credit score?
Easy. Just call your bank and ask for your credit score (this should be free). Alternatively, you can purchase a credit score from any of the major credit bureaus, like Equifax and TransUnion.

Nobody likes being rejected.
Especially for the important things, like a mortgage or business loan.
Thankfully, the bank won’t make their decision based on your haircut or how much you can make them laugh…
They will decide by taking a look at your credit score.
If only my ex could see my credit report, maybe I wouldn’t have to fix my hair….

Who here spends more than they should on their credit card from time to time?

We’ve all been guilty of it at one point or another. Just remember to keep making payments ;)

What was your last big impulse buy?

Way back in the 1800’s, the first credit bureaus started to emerge in North America. As a result of modern mass consumerism, many businesses were in need of a system to determine whether a potential recipient for a loan could be trusted to pay it back.

However, the system they developed was far from perfect. Bureaus would take note of race, neighborhood, income, and employment status, all in a futile attempt to determine a person's “morals”.

Then, there was FICO.

In the 1950’s, Two men got together and decided it was time to create a standardized, quantitative approach to determining someone's lendability – one that would eliminate the prejudice that was on display in the old system.

These two men were Bill Fair and Earl Isaac.

By the 1970s, most lending institutions were using their credit scoring system.

Finally, in 1989 the FICO system made its official debut – and has since become the industry standard. Based on the original credit scoring system developed by Fair and Isaac, it is now used by lenders all around North America to determine a person's ability to repay their loans.

Thanks Bill Fair and Earl Isaac for helping to dismantle the unfair practices of the past!

If you have any questions about the FICO system and how it affects you, feel free to drop us a comment or give us a call!

Here’s an easy way to improve your credit score:

Consider how much of your total credit you are using, and how regularly you are using it.

If you are consistently using one-third or less of your total credit, you are looking good!

So if you are going to buy something with cash, consider using your credit card instead. It will enrich your credit history and give your credit score a healthy boost!

Just remember to make your payments on time ;)

Can I get that on credit? I'm good for it I swear… [jaw clenched/nervous emoji]
Having a good credit score is a sure way to be approved for a loan.