Real Solutions for Individuals & Businesses.

If you want to improve your score for personal reasons or you're a company trying to help your client qualify for better financing options, we can help.
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Why is your credit so important?

Simply put... because it affects every decision in your life directly or indirectly. It's all we have right now. The reported data on your file is then scored by two algorithms known as FICOs and VantageScore. Neither of them has the ability to fully communicate clearly across multiple platforms such as Experian, TransUnion, and Equifax. Hence different credit scores.

If you plan on having a car, a kid, or know you can't plan for everything in life, then good credit is necessary from this day forward.

Do you want or need a new car?

The electric car industry is exploding right now. The transition is on a global scale. Sooner or later, it will be the future. You can start sooner if you can qualify for financing on a new electric vehicle.
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Often there are tax breaks for going electric, but you can get better financing on any vehicle with better credit. The above is just an example.

Are you worried about fixing your car soon?

If you're stuck with an auto repair that you need but can't afford, auto repair financing with a personal loan may be a good option for you.
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By taking the time to compare interest rates and fees from different lenders, you may be able to determine if you should go this route.

Starting a Business or Need a Capital Boost?

Need to start your next marketing campaign? Or maybe you want to rebrand your company website. As a business owner, having a good credit score is extremely important.
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No matter what type of industry you're in, there typically comes a time when you need to purchase something on credit. Be ready.

Do you want to switch your carrier or upgrade your phone soon?

Every carrier does a soft check. The difference between bad credit and excellent credit is $0 down to 75% or more of the phone's value.
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If you don't want to do a credit check, there are prepaid options available and unique plans from specific carriers.

Do you want that cosmetic surgery without the outrageous fees?

Whether it's for elective or emergency surgery, many times, insurance only covers a portion leaving you looking for other options to finance what you want or may need.
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Elective surgeries are rarely covered by insurance at all, meaning excellent credit is the only option.

Death is already hard enough. Don't let the costs bring you down.

A funeral loan, which is essentially a personal loan, can be used to cover funeral expenses. Only borrowers with good credit will qualify, and the best rates are reserved for borrowers with the best scores.
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Funeral Payment is a government scheme for people on a low income who receive certain benefits to help them pay for a funeral.

Getting ready to sell or upgrade your home?

HELOCs are a popular way to finance home improvements. Because a HELOC is a secured loan backed by your home, you can qualify for lower interest rates, but with excellent credit, you can get the best rates saving thousands in interest.
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If you use a HELOC or home equity loan for home improvements, you'll need a FICO score of 660-700 or higher.

Is it time to buy your first home or refinance your current home loan?

Whether you're buying your first home or refinancing or buying a second home, excellent credit will always save you thousands of dollars. It's that simple.
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You can often refinance for better rates or be able to pull liquidity from your home with very few obstacles when you have excellent credit.

Insurance rates always reflect the data reported on your credit file.

Generally, the better your credit, the lower your premium will be. If you have a low credit score and many negative items on your credit report, you can expect your premiums to be higher.
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According to Consumer Reports, single drivers with good credit scores paid $68 to $526 more per year on average than similar drivers with the highest credit scores.

If you are applying for a new job, they will want to know more.

Credit scores tell companies how reliable you are and what you are responsible for outside of life. With the rise of available data at our fingertips, it is not surprising that companies would use this data to understand their applicants better.
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If you don't want to do a credit check, you may have to consider looking for another job offer; even though it is not legally required, it is illegal to ask for this information.

Emergencies happen all the time. Don't wait till it's too late.

We only understand that life happens, and regardless of how much you try to control your health, an accident can happen. Be prepared to handle it with the best insurance and alternative funding options.
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Insurance companies often look for loopholes and legal ways not to suffer the losses of paying out, so be prepared.

Have you seen Bitcoin lately? Crazy stuff.

Investment purchases can also be made using a credit card, meaning the better the credit score, the better rates and higher limits you qualify for.
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You can invest in whatever you want if you get a personal loan as it is legal and not against the loan terms and agreement. This is merely an example.

Get approved for higher limits, better rewards & the lowest interest rates.

Sometimes the only option to finance a purchase is a credit card. Make sure you can maximize the benefits & take advantage of the best offers.
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This process is very straightforward. Better credit gives you access to better credit cards.

It's time to make the switch to solar.

Switching to solar has countless benefits but not so myriad costs. Sometimes you need a few extra points to increase your chances of financing significantly.
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There are often state or federal kickbacks for these home upgrades.

Are you starting college soon or going back to school?

Education is a cornerstone of our career in life. You can complete your education without the stress of having to pay back high-interest student loans or, worse, no options at all.
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In the world of student loans, there are not many options. You may have to look for grants to acquire additional funding if you need excellent credit.

We all need the basics. Water, electricity... and yes, Wifi.

A good credit score may save you from having to pay a deposit or get you a lower one. Plus, paying utility and cable bills on time finally helps your credit.
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Utilities are a hard inquiry on your credit, so make sure you can take advantage of the ding.

When the big day comes, can you get everything you want?

There are many costs of a wedding. The event location will most likely need a deposit, depending on your credit score. Then the food, music, and any other notable additions you want to include add up fast.
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There is no specific loan option for a wedding because it's a personal decision meaning you will need a personal loan or a personal credit card based on your score. You get it...lol

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