One Financial Business in Hackensack, New Jersey has announced that they are offering credit repair for consumers. The company states that there are a number of things that can be on a consumer’s credit report that may be inaccurate or otherwise need to be removed. They are offering services that will help consumers to raise their credit scores so that they are eligible for certain life purchases.
Carlos Felix, Founder/CEO of One Financial Business says, “Credit scores are the tell-all as far as financial institutions are concerned. Banks, insurance companies, even landlords use credit scores and reports as a means of determining whether or not a consumer will qualify for certain things. Not having a good credit score typically knocks the consumer out of those benefits.”
Felix states that consumers need to have credit scores over a certain number in order to qualify to purchase a home or a vehicle, to get utilities turned on, to get lower rates on insurance and various other life needs. He states that missed or late payments caused by illness or lack of work, too many credit inquiries and a debt to income ratio that is too high can all contribute to a lower score.
The company states that they can help consumers to raise their scores through legal means, giving them a better chance at getting the things that they need. More on the company’s process and the areas that they service can be seen at https://goo.gl/maps/8dZN3ipm9yt. Felix says that consumers need to fully understand their credit scores and reports and how those items can be used to make decisions regarding what they will and will not be qualified to do.
“Credit scores range from 300 to 800 generally, depending on the reporting company,” says Felix. “Having a score that sits at 600 or below can make the consumer look like a high risk, which in turn could cause lending institutions and other companies to deny that consumer for a number of things.”
Felix says that it typically takes seven to 10 years for bad items to be removed from a credit report. But, he states that his company can help to remove items much faster, leading to a higher score for the consumer. He states that repairing low scores is not difficult, although most consumers have no idea of where to begin to get their scores in a healthier state.
Studies show that many consumers, millions, have scores that fall below what credit companies consider to be average. Many consumers have credit scores that fall below 600 and given the length of time that it typically takes for late payments, judgements or high debt to be removed, many feel that they simply must live with these low scores. Felix says that this is simply not the case.
The company works with consumers to raise their scores legally. Felix states that they will work with any consumer and can help to ensure that their credit histories are properly updated and completely accurate. In some cases, he states that things may show up on a consumer’s credit history that does not apply to that particular consumer. Removing these items could raise the scores significantly.
Felix states that they help by monitoring the credit scores of consumers and educating consumers to help them to better understand how to look for inadequacies. Felix states that consumers need to know how important it is for them to regularly monitor their credit reports and to keep those reports updated at all times to avoid scores that fall below average.
Felix states that the company has received a number of credit repair reviews from other consumers and urges those considering their services to read through these reviews to get a better idea of what needs to be done to get their scores where they need to be. Felix says that anyone who is interested in learning more can visit the company on their website to get a listing of all of the services that they provide and to find information that could help them to better understand the importance of credit scores.
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For more information about One Financial Business, contact the company here:
One Financial Business
Carlos Felix
(877) 342-4202
credit@onefinancialbusiness.com
411 Hackensack Ave Suite 806, , Hackensack, NJ, 07601, USA
