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Student Loans · Bankruptcies · Evictions · Collections · Late Payments

and other derogatory marks

Credit Score

What is a Credit Score?

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. A credit score is primarily based on a credit report, information typically sourced from credit bureaus.

Credit Report

The Purpose of a Credit Report

Your credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders and creditors to the credit bureaus. Much of it is used to calculate your FICO Scores to inform future lenders about your creditworthiness.

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How Credit Repair Works:


We challenge your questionable negative items with all three bureaus, ensuring your credit reports are accurate and fair.


We ask your creditors to verify the negative items they're reporting. If they can't, they are required by law to stop reporting them.


We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your goals.

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Credit Monitoring Services offer insight about any changes made to your credit profile. Sign up with Indentity IQ, and get a free 7 day trial!

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How a Low Credit Score Impacts You

A low credit score can have a negative impact on a person that can spill into daily life functions. A low credit score can mean higher insurance rates, auto loan APRs, higher mortgagaes, rental properties, etc. Take a look at the examples below that depict the impact of a low credit score:

Image of House

To Buy a Decent Home, it would cost around $100,000

Depending on the area and other factors

Person A Icon

Person A

Credit Score: 725

Interest Rate: 1.99%

Term: 20 years

Payment: $505

Total Interest Paid: $21,298

Total Payments: $121,298

Person B Icon

Person B

Credit Score: 595

Interest Rate: 16.99%

Term: 20 years

Payment: $1,466

Total Interest Paid: $251,850

Total Payments: $351,850

Person B pays $230,552 more for the same house at the same price!

The same thing happens with your car payments, loans, credit cards, ect. So, it is important to maintain good credit.

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