Optics Financial Services

Your personal and business credit scores can be very closely linked, so it’s smart and important to protect both.

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If you have any questions about the credit counseling process,
Schedule your consultation with us! We will always be completely transparent and advise you on what's best for YOU!

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Credit scores follow you from job to job and don’t just determine the interest rate you pay on your loans.

We are here to help you, schedule your consultation now.
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There are many ways to improve your credit score. If you're looking to improve your score, you can take proactive and passive measures to get your score into the 'good' range.

The first thing you should do is examine your credit reports carefully, and try to locate any mistakes. If you do find any mistakes — or even something that might be a mistake — you should dispute it and ask for the entry to be removed from your record.

If you have any unpaid judgments or liens you should pay them as soon as possible. The sooner you pay them in full, the sooner your score will improve. If your score is so low that it's hard to even qualify for a traditional loan, which could, therefore, hinder your ability to rebuild your credit history, you may want to consider a secured loan or credit card.

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Don’t let bad credit keep you in a bad situation. You deserve more, so schedule a consultation today.

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Don't let Banker Cat makes you this kind of face expression again when you apply for a loan. 😄

Schedule your Consultation now.
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What would you do if you weren't afraid?
How does it feel to be financially free? 🙂

Get this feeling! If you want to get your finances under control and clean up your credit.

Schedule for a consultation.
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To calculate your credit score, companies first pull information from your credit report, like:

- how much money you owe
- whether you’ve paid on time or late
- how long you’ve had credit
- whether you asked for new credit recently

Usually, credit scores fall between 300 and 850. A higher score means that you have “good” credit: businesses believe you are less of a risk, which means you are more likely to get credit or insurance — or pay less for it. A low score means you have “bad” credit, which means it will be harder for you to get a loan or a credit card — and you are more likely to pay higher interest rates on credit you do get.

Schedule for a consultation.
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Let's start the week right! 💪