FIX MY CREDIT

What is bad credit and how to fix it?

Bad credit can keep you from

    • Higher interest rates = more expensive payments

    • Bigger down payments required

    • Fewer loan and car options

      Good credit means lower costs and more choices.

    • Higher interest rates = bigger monthly payments

    • Larger down payment may be required

    • Fewer mortgage options to choose from

    Better credit means lower costs and easier approval.

    • Higher interest rates = more expensive to borrow

    • Lower approval chances

    • Smaller loan amounts offered

    Strong credit makes borrowing easier and more affordable.

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QUESTIONS

    • Payment history (on-time vs. late)

    • Credit card balances & debt levels

    • Length of credit history

    • New credit applications

    • Mix of credit (loans, cards, etc.)

    Small habits make a big difference in your score.

  • Every situation is different, but most clients start seeing results in 3–6 months. The timeline depends on:

    • The number of negative items on your report

    • How quickly credit bureaus respond

    • Your consistency with good financial habits

    The sooner you start, the sooner your credit can improve.

  • Improving your credit can mean:

    • Lower interest rates on car, home, and bank loans

    • Smaller monthly payments

    • Thousands of dollars saved over the life of a loan

    Even a small boost in your credit score can add up to big savings.