Welcome to the Credit Score Booster

Quickly improve your credit score!

Some of the most important items in your financial life are your credit report and your credit score. Your credit report contains information about where you live and work, your bill payment track record, the number of open accounts you have, the total amounts due on those accounts, those who obtained information from your report (inquiries), whether you have been sued, had a lien filed against you, had a car repossessed, or have filed for bankruptcy.  Your credit score is derived from your credit report.

Each credit report comes with a credit score, which is an overall grade. A credit score or FICO score is a numerical scale ranging from 300 to 850 that reflects a borrower’s trustworthiness.    

Lenders look at credit scores to predict if someone will pay back a loan on time.  A high credit score means you are a low-risk borrower, which can lead to better interest rates on loans and credit cards.  A low credit score could mean you will pay higher interest rates or have your loan or credit card application denied.  Your score can determine if your mortgage will be approved or denied. A good score can save you thousands of dollars over the life of an auto loan, and tens of thousands over the life of your mortgage.  It can also allow you to cover unexpected costs, such as a car or house repair. Credit scores are also used by landlords, insurance companies, and even some employers.

Scores range from 300 to 850. A score below 579 is deemed “poor.” A score of 580-669 is “fair.”  A score of 670-739 is considered “good.” A score of 740-799 is “very good.”  And a score of 800 or above is deemed “exceptional.”   

There are obvious things you can do to improve your scores, such as paying your bills on time and paying down debt. But the way to improve your credit scores is to repair your credit reports.  That’s what this credit score-boosting system does. 

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