The credit bureaus can’t stand us, and our clients love us. We must be doing something right.

We are the trusted leader in credit report repair because we believe in the work and we are committed to our clients. That, coupled with our exceptional knowledge and experience in the credit repair industry, has allowed us to achieve amazing results that have literally turned clients lives around.

From bankruptcies to change-offs to tax liens, if it is incorrect or inaccurate Credit Solutions Of VA, Inc., has challenged virtually every credit problem under the sun – and deleted items last year alone with an average of 10 deletions per credit report, we will attempt to have these items deleted.

We are the premier credit report repair company and we are continually improving our processes, as we work to help our many clients improve their credit.

Many consumers have the wrong idea that credit bureaus are federally supported organizations backed by a vast array of laws meant to protect creditors. Nothing could be further from the truth. Credit bureaus are simply huge bureaucratic companies which exist for the soul purpose of making money by selling information – information they tend not to verify.

Fortunately, the fair Credit Reporting Act gives Americans the right to contact credit bureaus directly and dispute items on their credit reports. Consumers can dispute any and all items on their credit reports that they feel are inaccurate, unverifiable, or misleading, if the bureaus cannot verify that the information on their reports is indeed correct, then those items must be deleted.

Pay all your debts on time.

Keep your debt levels down.  The less outstanding debt you have relative to your overall credit limits, the better.

Use your credit cards but pay down the balances.  Don’t let them mount up.  Many credit scores compare the amount of debt you have to your credit limits.  The closer you are to your credit limit, the more likely that your credit score will be negatively affected.

Don’t apply for a lot of credit accounts.  Although it is helpful to have some long established  credit accounts with a variety of creditors-a national bank card and a bank loan for example-too many credit accounts can lower your credit score.

Don’t close long standing accounts.  It will harm your credit score because it will harm your outstanding debt to overall credit limit ratio.

Minimize the amount of credit you apply for within a short period of time.  Your score may be negatively affected if you have a lot of inquiries in your credit report because you applied for a lot of credit recently.  However, inquiries that are the result of account monitoring or prescreened credit offers don’t count.  Open new credit accounts only if you really need to.

Correct problems in your credit history right away with the services of Credit Solutions Of VA, Inc.

Maintain a checking and a savings account.  This demonstrates stability.

Steer clear of retail store charge cards.  They are not considered good credit to have by credit grantors.

Avoid finance company loans for the same reason.

Minimize the frequency with which you transfer balances from one card to another.  A better strategy for dealing with your debt is to focus on paying down existing balances.

Use exactly the same name on all credit applications.

Do not accept pre-screened offers.  They are not truly pre-screened.  When you accept the offer your credit will be checked causing and inquiry to be placed on your credit history which will lower your score.

Creditors are making greater use of credit scores to help them make decisions about consumers who apply for new or additional credit.  For example, nearly all mortgages are now underwritten using credit scores.  Creditors are also using credit scores to evaluate their existing account holders.  Depending on what your score is, your credit limit could be increased or reduced, the rate of interest you are paying could be raised, and other terms of credit could be affected.  Insurance companies, landlords and even cell phone companies are also using credit scores to make decisions about consumers without good credit it is hard to live the American dream.

Your credit score is a numeric representation of your credit worthiness.  It predicts how you are likely to manage credit in the future based on how you’ve managed credit in the past.  For example, if you have not paid your credit accounts on time, exceeded your credit limits, defaulted on any credit accounts, and/or filed for bankruptcy, your credit score will be lower than if you have managed your credit well.  Your credit score is calculated by applying a mathematical model to the information in your credit record.  This information includes your account payment history, and the kinds of credit you have, among other things.  As the information in your credit file changes so will your credit score.

Your credit score is a numeric representation of your credit worthiness.  It predicts how you are likely to manage credit in the future based on how you’ve managed credit in the past.  For example, if you have not paid your credit accounts on time, exceeded your credit limits, defaulted on any credit accounts, and/or filed for bankruptcy, your credit score will be lower than if you have managed your credit well.  Your credit score is calculated by applying a mathematical model to the information in your credit record.  This information includes your account payment history, and the kinds of credit you have, among other things.  As the information in your credit file changes so will your credit score.

Generally your credit scores range from 300 to 850.  The higher the score, the better, although a score of 720 or higher is considered excellent.  The lower the score, the greater the penalty you will pay in terms of the interest rate you qualify for when you apply for credit and the other terms of credit you will be offered.