Credit Bureaus track your debts and payment history. Paying your bills late or carrying a lot of debt will lower your credit score. 

Paying on time and having less debt will result in higher credit scores. Other factors come into play. 

When applying for a home loan, or to rent a home, your credit score is a huge factor. We can help you raise your score.

Ask for our DIY brochure on "How to Raise Your Credit Score."