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If you've got a poor credit history, you're not alone. Low credit scores can happen to any of us, no matter how much we make or how wisely we spend and save. Often times, a low credit score is the result of circumstances beyond our control, whether it's a sudden emergency, illness, medical condition or other unexpected event.

Your credit score can determine whether you're approved for your next car loan or a mortgage, whether you receive credit or not and the interest rate for any credit cards you apply for. It can also be used to review your rental applications, or determine the deposits necessary for your phone, electricity and other utilities. It can even affect your employment opportunities.

But your low credit score doesn't have to keep you from securing your financial future.

We can help you repair your credit easily and effectively by removing the incorrect and unverifiable items on your credit report that can be difficult to do on your own.

By repairing your credit, you're improving your future and opening doors to opportunities that may have previously been closed - whether it's car and home ownership or job possibilities. Lenders, creditors and insurers all look at your credit score to determine your interest rates and credit limits - and a higher credit score makes approvals that much easier.

Plus, you'll also be saving money by paying lower interest rates and fees.

Don't be defined by your credit history. A better tomorrow can start today! Put us to work for you and your financial future!

According to the Fair Credit Reporting Act (FCRA), you have the right to know the information in your credit report, and you're entitled to one free credit report a year from all the major credit bureaus (TransUnion, Equifax, Experian).

You also have the right to dispute the incomplete, inaccurate or unverifiable information that's contained in your credit report - and the credit bureaus are legally obligated to remove or correct these items within 30 days.

According to the FCRA, credit bureaus may not report outdated negative information - negative items that are more than seven years old, or information more than 10 years old in the case of bankruptcies.

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