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What determines your credit score?

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#1 Payment History - HIGH IMPACT 35%

Your payment history is important. It helps credit lenders gauge how likely you are to pay on time. This can also be one of the toughest factors to improve. Any payment history that is below 98% is considered poor.

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#2 Credit Usage - HIGH IMPACT – 30%

Using over 50% of your available credit can cause a negative effect on your credit score. It is recommended to use no more than 30% of your total credit.

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#3 Credit Age - MEDIUM IMPACT – 15%

Using over 50% of your available credit can cause a negative effect on your credit score. It is recommended to use no more than 30% of your total credit.

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#4 Total Accounts - LOW IMPACT – 10%

You may think that having to many credit cards can negatively impact your credit score. That simply is not the case. So long as you show responsible activity on those accounts and they are all in good standing, these lines of credit can actually improve your overall score.

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#5 Hard Inquiries - LOW IMPACT – 10%

A hard inquiries happen when potential lenders request information on your credit because you’ve applied for credit with them. These include credit checks when you’ve applied for an auto loan, mortgage or credit card.

WHY GOOD CREDIT MATTERS

GOOD CREDIT IS MORE

FINANCIAL FREEDOM

  • Better Loan Terms
  • Home Purchases
  • Cheaper Car Insurance
  • Cheaper Home Insurance
  • Apartment Approval
  • Lower Monthly Bills
  • Access To Premium Credit Cards


WHAT CAN CREDIT REPAIR SERVICES REMOVE FOR YOU?

  • Collections
  • Late Payments
  • Tax Liens
  • Student Loan Solutions
  • Judgments
  • Medical Bills
  • Repossessions
  • Charge Offs

BCIC Credit Repair is based in Southeast Michigan and provides professional credit restoration services throughout the United States. Servicing our clients with due diligence, fast action and educated consultation we help individuals, families, and businesses achieve their financial goals.

Our mission is to help repair your credit.

Operating and proudly serving our communities since 2019.

301 W Michigan Ave Suite A10 Ypsilanti MI 48197

info@timetravelcreditrepair.com

(954) 737-1176

@ 2022 BCIC Credit Repair Copyright. All rights reserved.