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AdvancedCredit Help

A FINACIAL WELLNESS COMPANY

Serving the Community Since 2001

DO YOU FEEL LIKE

YOU’RE DROWNI

NG IN CREDIT ISSUES?

WE HAVE LEGALLY INCREASED OUR CLIENT’S CREDIT

SCORES AND SAVED THEM THOUSANDS OF

DOLLARS.

Most lenders look at your FICO score to determine your credit worthiness.

What is a FICO Score?

FICO takes credit information and uses it to create scores that help lenders predict behavior, such as how likely someone is to pay their bills on time (or not), or whether they are able to handle a larger credit line.

While there are many credit reporting agencies, or credit bureaus, there are three major credit bureaus in the United States. They are Equifax, Experian and TransUnion.

These bureaus are all publicly-traded, for-profit companies who are not owned by the government. However, the government does have legislation, the Fair Credit Reporting Act, regarding how these and other credit bureaus should operate.

How to Read a Credit Report.

FICO SCORE

PUBLIC RECORDS:Information derived from the public court systems regarding financial records, tax liens, foreclosures, bankruptcies and child support .

TRADE LINES:

These items can consist of credit cards, home loans, auto loans, monthly installment loans, etc.

COLLECTIONS:

Accounts reported to collection agencies that are considered unpaid/and or negative debt.

INQUIRIES:Companies and or individuals that have pulled your credit for the purposes of monitoring your credit, credit approval, and or pre-approval. Some inquiries are only seen by the consumer and any inquiry done by a consumer does not affect the credit score.

Your Score Can Be Affected By The Following Things:

NEW ACCOUNTS:

Effects your score 10%

Number of recent credit inquiries.

How many new accounts that have been established.

LENGTH OF CREDIT HISTORY:

Effects your score 15%

The length of time new accounts have been established.

Length of credit history, meaning how long the account has been open.

TYPES OF CREDIT:

Effects your score 10%

Make sure that you have different kinds of accounts open.

Credit Cards – Mortgage Loans – Auto Loans – Retail Credit Cards

AMOUNTS THAT YOU OWE:

Effects your score by 30%

This is the proportion of the balances to the actual credit limit. Most people max out their cards not knowing that it affects their score.

The number accounts with a balance and amount owed on certain accounts.

PAYMENT HISTORY: Effects your score by 35%How many times you have been late.

The number of delinquent accounts you have and how delinquent your accounts are.

This is why it’s extremely important to pay your bills on time!

What Impacts Your Credit Score ?

WHAT ARE CREDIT SCORES AND REPORTS USED FOR:

LENDERSEMPLOYEMENTINSURANCE RATINGSUTILITIES MAJOR CREDIT CARDS

LENDERS:

Your Credit Scores are used to forecast by lenders to determine which accounts are most likely to end up included in bankruptcy, or which ones are likely to be most profitable.

LOOKING FOR A JOB?

EMPLOYMENT:

MORE AND MORE EMPLOYERS ARE USING CREDIT SCORES AS A MEASURE TO DETERMINE EMPLOYMENT WORTHINESS.

INSURANCE:

Credit-based insurance scores, are used to help insurance companies identify which customers are least likely to file claims. Bad credit could lead to higher monthly premiums.

HOME UTILITIES:

UTILITIES:ELECTRIC – GAS – WATER TELEPHONE – INTERNET

CABLE SATELLITE – CELLPHONE

SANITATION SERVICESHOME SECURITY SYSTEMS“LOW SCORES HAVE CAUSED

DENIAL OF SERVICE AND OR HIGH DEPOSITS.”

MAJOR CREDIT CARDS

Many services are denied or large deposits are required without a major credit card. Such as: rental cars and some top end hotels.

MAJOR CREDIT CARDS

Major Credit Cards with high credit limits may be essential for emergency situations, unexpected car problems, emergencies while on vacation or when traveling.

WHERE DO YOU RANK INYOUR FICO SCORE ?

660

659

EXCELLENT

GOOD

FAIR

POOR

WHAT’S MY TARGETED SCORE

DO YOU KNOW YOUR CREDIT SCORE ?

?

BAD CREDIT SCORES

BAD CREDIT WILL COST YOU THOUSANDS OF

DOLLARSHIGH INTEREST RATES ON CAR LOANS AND MORTGAGE LOANS.

FORCED TO USE PREDATORY LENDERS LIKE PAYDAY LOANS.

FORCED TO USE VERY HIGH INTEREST LENDERS, LIKE BUY HERE-PAY HERE CAR LOTS and FURNITURE RENTAL STORES.

The following example is basedon a traditional mortgage on a home valued at $200,000.00

From March 20, 2010

EXAMPLE:

Your Credit Score Interest Rates Monthly Payment Monthly Savings

500 - 579 9.67% $1,707.00 $0.00

580 - 619 8.78% $1,577.00 $130.00

620 - 659 7.25% $1,364.00 $343.00

660 - 699 6.44% $1,256.00 $451.00

700 - 759 6.15% $1,219.00 $488.00

760 - 850 5.93% $1,190.00 $517.00

With good credit, your mortgage, auto or loan payment can be cut

in half

With bad credit in this scenario you could loss $

6,204.00 per year

$6204.00 per year X 5 years = $31,020.00

With this additional

money, you could pay for a really nice vehicle

and still have a new

home.

WOW!! $6,204.00 a year

over the lifetime of a

30 year mortgage = an additional $186,120.00

DEROGATORY CREDIT ENTRIES CAN STAY ON YOUR CREIT REPORT FOR 7 YEARS AFTER YOUR LAST ACTIVITY. EVEN IF YOU PAY OFF THE DEBT!

Is Credit Repair Legal ?

Credit repair is 100% legal and it works because of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your credit reports. If an item cannot be verified, it must be removed. This will immediately boost your credit score. Even accurate negatives items can often be removed or negotiate away.

How Does Credit Repair Work ?

79% of all credit reports contain errors. This means that most credit reports can be improved instantly. The next step is to work with creditors to negotiate removal of accurate negative items.

We've helped our clients remove:

LATE PAYMENTSCHARGE OFFSJUDGMENTSLIENSCOLLECTIONSBANKRUPTCIESREPOSESSIONSFORECLOSURESMEDICAL BILLSSHORT SALES

Our Mission

Our company’s founder and CEO realized that he was interested in helping the community change for the better when he created Advanced Credit Help. Our CEO listened to the needs of your local community and created this company to personify what you needed!

Quality, Integrity, Excellence

With nearly 15 years in the industry, ACH’s charter starts with quality, taking to heart the needs of the customers first. ACH has built its reputation on being the very best in the industry by providing one on one service.

The CEO of Advanced Credit Help is the Co-Chair of this

organization

Our Service:

We whole heartedly care about our customers and their needs. We go above and beyond to provide the best customer support. We do these things, and more, while providing you with exceptional financial management & educational services.

WE EDUCATE OUR CLIENTS:

We not only strive to help make a positive impact on our clients’ credit, but we promise to educate them at the same time! If we don’t educate you on how to change your financial thinking habits, then how will you not end up in the same situation again? That’s why education is so important to us!

Advanced Credit Help

Were Helping People Get a New Start !!

Let us put the power of The Fair Credit Reporting Act and

15 years of experience to work in your favor and improve your

credit today !!

Hi Christine, It sounds cliché but "A million people can tell you but you have to experience it for yourself." I worked on my credit report and  disputed items that continued to come back verified but after ONLY 14 days Advance Credit got my credit score increased by over 80 points. My representative is always available via email, work, and cell phone. The administrative staff have the most professional courtesy and offers assistance with ebullient spirit. It is hard to find a faith based company! I am beyond thankful and this is one of the best kept secrets! Thanks Messene! Advance Credit is Mess worth knowing!! Ebony Jackson On Friday, August 14, 2015 12:38 PM 

Changing Lives One Person At A

Time!!

ARE YOU NEXT ON THE ROAD TO

FINANCIAL FREEDOM ?

VISIT US AT : Advancedcredithelp.com

or CALL US TODAY AT:877-459-4554

or best of all, meet

with our well trained Credit

Analyst in your

community.

Take The First Step Towards Financial Freedom !!

With Advanced Credit Help