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WHAT WE CAN DO FOR YOU
You were directed to Total Score Repair because one of our affiliate partners
cares enough about you to want you to have the very best credit recovery process
available. Our affiliates selected Total Score Repair because we offer their
clients a complete credit restoration program unequaled in the industry because
we obtain the results others can only talk about. And in the end, results are
what it is all about. And we don't stop there.
Total Score Repair is a dedicated group of specialists with over sixty (60)
years combined credit, finance, collection, education, and credit repair
experience determined to be the most trusted and reliable source in the world
for credit restoration, rebuilding, and maintenance of an individual's credit
and financial life by offering products and services to improve, educate,
protect, and solidify their credit and finances.
Our goal is to become the most trusted and reliable source
in the world for
credit restoration, education, rebuilding, and
maintenance of an individual's
credit life.
Our clients will experience the highest levels of service
empowering every client to improve their financial outlook and stability, while
creating confidence in themselves and their financial capabilities.
You might have asked yourself, "is having good credit really that important?"
The easy answer is a resounding "YES".
Let's look at the reasons why having good credit is so important, especially at
this time in our lives. Credit is a system designed to make your financial life
a little easier to deal with. Can you afford to pay cash for a new home? Can you
afford to pay cash for your next car? Can you afford to pay cash for your high
school graduate to enroll in college? See what we mean? And these are but a few
of the reason you want a good credit rating. Now let's take a different
approach.
Reasons to Avoid Bad Credit
Bad credit can negatively impact many areas of your life making it more
difficult and expensive. Simple things in life we take for granted can be
affected: applying for a new mortgage, renting an apartment, securing that great
job, getting that next car, and the possibility of eliminating debt altogether.
Bad Credit Can Make it Difficult to Pay Off Debt
One of the main reasons having bad credit makes it more difficult to pay off
your debts is credit card companies can charge you a higher interest rate which
can lead to additional fees such as late fees and over limit fees for
delinquencies. Credit card debt is a formidable problem for many consumers as
the inability to pay causes late payments which cause the interest rate to
skyrocket on most credit cards. The interest rate can increase for missing just
one payment and makes it harder for consumers to eliminate the debt timely. If
you currently have credit card debt, it is in your best interest to ensure you
make payments on time and set an action plan to get out of debt.
Applying for a Mortgage
Homebuyers having bad credit will typically pay a much higher interest rate, be
subjected to larger down payments on the home, and can be forced into paying
additional fees. If your credit standing is well below the lending standards, a
bank or a mortgage company will deny you loan altogether.
Apartment Renting with Bad Credit
Apartment hunting with bad credit can make it two to three times more difficult
to find a landlord willing to rent to you. Many landlords are very cautious and
reluctant to overlook bad credit. If you fall into the category of bad credit
this does provide a legitimate reason to deny renting to you.
Securing a Job with Bad Credit
Most jobs that deal with money and sensitive information will require their
applicants to agree to a credit check. If your credit is checked and you have a
bad credit rating you may be viewed as a liability. A lot of companies will
associate bad credit with poor financial management, impaired judgment, and
questionable character. Some employers could assume that you might be prone to
steal or do something illegal to help correct your money problems.
Obtaining New Credit
Bad credit will make it near impossible to obtaining any new credit with
favorable or decent rates. Having bad credit will leave you nowhere to go except
into the clutches of the lending predators having astronomical rates and terms.
This is like shooting yourself in the foot with a shotgun. It can be very
destructive, make matters worse, and may not heal for a very, very long time.
This is especially true in the car market. How difficult would it be for you
have to pay credit card rates, or higher, just to be able to get into another
car? Auto insurance companies are looking at credit reports now to establish
rates. Insurance companies feel the those having bad credit are more likely to
default on premiums, are more likely to have an accident resulting in claims,
and are more likely to commit claim fraud. So, to compensate for the increased
risk, they hike the premiums (they purport to have studies to back their
reasoning).
BOTTOM LINE: BAD CREDIT IS VERY, VERY EXPENSIVE.
THE ONLY METHOD OF ESCAPE IS TO IMPROVE YOUR CREDIT.
Most people relate happiness with being able to achieve their goals in life.
Some goals take more planning than other. But no goal will be achieved without
one basic, fundamental ingredient. You can wish, dream, and plan into infinity
and nothing gets accomplished. The missing ingredient is:
YOU HAVE TO GET STARTED!!
Total Credit Repair is here for that very purpose. We will carry the ball for
you. We will educate you along the way. We will keep you informed of progress.
We will be here for you when you need to consult with us. We are the answer to
your credit recovery process needs.
Remember, while others talk - WE PERFORM!
To get started all you have to do is get back in touch with the affiliate
partner who directed you here and let them know you are ready to start. We will
contact you, answer all your questions, and start you on your way to the
restored and sound credit position you deserve. |
