The Credit Repair Group

What's On Your Credit Report?
Take out the guesswork with credit. Pinpoint what's most affecting your scores. Access to all 3 Credit Scores now is more important than ever.

No hard pull, only $1

Credit Reports Plus Identity Theft Protection | IdentityIQ IdentyIQ Identity Protection

Workshop hosted by credit repair & debt settlement experts

In this workshop, you will learn how to increase your credit score, tips and tricks about cleaning your credit report, and learn about credit & Debt Literacy.

Wednesday, November 30th from 6:00PM to 8:00PM

Black Friday Sale!!!

The Credit Repair Group Let's improve your credit score

You will get
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FREE credit consultation
FREE in-depth credit a**l

**FREE** Learn how to raise your credit score

1. Get a $1 Copy of Your Credit Reports- *link in the comments*

2. Dispute Credit Report Errors

3. Avoid New Credit Card Purchases

4. Pay off Past-Due Balances- **Only if it is with the original creditor***
Do your best to pay outstanding balances in full; the lender will then update the account status to "paid in full," which will reflect more favorably on your credit

5. Avoid New Credit Card Applications

6. Leave Accounts Open

7. Contact Your Creditors
They might be the last people you want to talk to, but you'd be surprised at the help you might receive if you call your credit card issuer. If you're having trouble, talk to your creditors about your situation.

8. Pay off Debt
Your amount of debt that you're carrying as a proportion of your overall credit represents 30% of your credit score, so you'll have to start paying down that debt to raise your credit.

9. Get Professional Help
If you are overwhelmed by your credit situation. WE can help you create a budget, put together a debt management plan, and get your finances in order.

10. Be Patient and Persistent
Patience isn't a factor that's used to calculate your credit score, but it's something you need to have while you're repairing your credit. Your credit wasn't damaged overnight, so don't expect it to improve in that amount of time. Continue monitoring your credit, keeping your spending in check, and paying your debts on time each month, and over time you will see a boost in your credit score.

What Can You Do With An Extra $108,000? 💵

Call us even if you have bad credit

209-622-8982

Since not everyone qualifies for our Credit Repair Programs, we give a 15-minute FREE consultation to see if you're a candidate; worst case, we will provide you with a plan.

6 FREE tips to keep your credit score looking good!!!!

If your credit score isn't as high as you'd like, there are simple ways to build it. These tips can help first-time homebuyers improve their credit scores:

1. Make payments on time: This may seem obvious, but it's one of the biggest factors that affect your credit score. Even if you only owe $5 on a retailer credit card, you'll get dinged if you miss a payment.

2. Put off new credit applications: Lots of credit cards lure in new accounts by offering rewards offers, cash-back programs, and sign-up bonuses. Too many of these and lenders will think you're too reliant on credit and a risky borrower.

3. Pay off credit card balances if possible: This tip impacts your debt-to-credit ratio. If you're applying for a mortgage, keep credit card balances low. Don't wait till the end of the month to pay off your cards, pay them off every week if you can, at least until you're in the clear. Doing so could be the difference in a good interest rate and one that should have been better.

4. Be error-free: Get a free credit report and scan it for errors like incorrect name or address, unrecognizable credit lines, duplicate entries, and other errors. Dispute any that you find.

5. Keep revolving credit accounts open: Wait until after your mortgage goes through to closing credit card accounts, even if not used. Keeping them open shows you have available credit, but you're not tapping into it. It improves your debt-to-credit ratio.

6. Fix your credit mix: Many people have just one credit card, especially if it's one that gives you frequent flier miles on a favorite airline or cash-back on everything you buy. But having only one card limits the number of monthly payments you can make. Opening another card allows you to prove you're more reliable when it comes to making timely payments. Just don't do it too close to your mortgage application. Plan to get a few months of steady payments under your belt.

If you're a prospective first-time homebuyer and your credit score is in good standing, reach out to us at 209-622-8982 to discuss which mortgage would be best for you.

Or if you need help with your credit, we can help you.

21 days In the Program!!! 🤩 🤩 🤩 Call us Today! ☎️ 209-622-8982 & 855-267-7539
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Starting off this new week RIGHT!!! Client update today. Patience is key. One step closer in achieving their GOAL. Call us Today ☎️ 209-622-8982 & 855-267-7539

Happy Wednesday! 🐪
Call us Today
☎️ 209-622-8982 & 855-267-7539

Happy Monday. Quick Shoutout To All Our New Clients Who Signed up Last week & This weekend. Thank you for trusting us with all your credit needs. More Dispute Letters are Going Out Today. Call us Today ☎️ 209-622-8982 & 855-267-7539

20 Yrs Young this Client!! Came to our office to file his taxes in February. Let him know about other services we offered. He had no credit 0. Spoke to him about Credit Restoration. These are the results!!! It’s not just about deleting accounts. But more about taking the education and information and following it to the tee. He’s now ready to purchase his first home, new car or simply just continue having Amazing Credit.

☎️ 209-622-8982 & 855-267-7539