Credit Services
CC CREDIT SOLUTIONS is a credit repair company that specializes in credit restoration and other credit repair services. More specifically, we work with individuals to improve their FICO/credit scores in order to help them secure more favorable personal financing on such things as mortgages and automobile loans. We educate our clients on irregular information associated with their credit reports and work toward removing misstated, inaccurate, misleading, and unverifiable information. From late payments to charge-offs to bankruptcies, our credit repair specialists have the ability to create a solution for virtually all credit problems. By going through our process, we have the ability to delete the items on your report that are not justified in order to restore your credit to the level it should be. Helping people reach the goals that we set is our focus and, with our help, we know that you will be amazed at what CC CREDIT SOLUTIONS can do for you.
How is your credit determined?
There are several things that can affect your credit. One of the things we do at CC CREDIT SOLUTIONS is study and interpret the items that are associated with credit and the factors that cause credit to scores to fluctuate. In doing so, we are able to determine which items are most significantly affecting your individual score and how to approach those items to find ways to improve your credit score and eliminate problems. The pie chart outlines the relative importance of certain factors used to create your credit score.
Payment History- 35%
Amounts Owed- 30%
Length of History- 15%
New Credit- 10%
Types of Credit in Use- 10%)
Understanding these factors is crucial to taking the right step in improving your situation. When working with CC CREDIT SOLUTIONS, we will help you understand the importance in these factors and the things that will help you improve your debt management. With our constant work to understand the credit laws, we are always finding innovative ways to reduce the inconveniences associated with credit.
The Cost of Bad Credit
The cost of having bad credit can be devastating. With bad credit, personal loans can be extremely difficult to obtain or be excessively expensive. Bad credit can cost you the opportunity to qualify for a loan for the home you’ve always wanted. It can prohibit you from purchasing the automobile you would like to have. It can even restrict you from obtaining a credit card that you need for emergencies. The table below gives you a brief overview of how a low credit score can affect your payments.
Credit
Score |
APR |
Monthly
Payment |
Total Interest Paid Over 30 Years |
720-850
700-719
675-699
620-674
560-619
500-559 |
5.793%
5.918%
6.456%
7.606%
8.531%
9.289% |
$1173
$1189
$1258
$1413
$1542
$1651 |
$222,141
$227,888
$253,008
$308,671
$355,200
$394,362 |
(Ex. Cost of $200,000, 30 yr fixed-rate mortgage)
To better serve you, go to www.CCCREDITSOLUTIONS.com for information on our services and answers to frequently asked questions.
The Federal Trade Commission regulates credit bureau and credit repair organizations. For more information contact:
The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580
