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what is bad credit score?

Having a bad credit is when a person fails to pay his or her responsibilities like bills, credit card balances, and multiple debts such as mortgage and personal loans. Usually, their credit scores is under 600. Some may think that having a bad credit or poor credit rating stays forever on your credit history. Having such is very intimidating, a person with poor credit may find it difficult to borrow money from the banks and other lenders. Having such issue means you are considered as riskier than other borrowers.

Canadian credits scores range from 300 to 900. 300 is the lowest or just started to have a credit score on file and 900 is the highest credit rating. If your credit score is 650 according to transUnion, this is the magic middle score. Credit scores are based on your credit report. Your credit history includes your balances, payments, and limits. Delayed payments, and default may affect your credit score while paying your balances in Full or on time means creating and maintaining good score.

bad credit

Having a bad credit is when a person fails to pay his or her responsibilities like bills, credit card balances, and multiple debts such as mortgage and personal loans. Usually, their credit scores is under 600. Some may think that having a bad credit or poor credit rating stays forever on your credit history. Having such is very intimidating, a person with poor credit may find it difficult to borrow money from the banks and other lenders. Having such issue means you are considered as riskier than other borrowers.

These are the common scenarios that credit Repair Company may help you fix your credit score:

• Work with your questionable, negative payment history removed from your credit report

• Reduce your utilization ratio pay paying down your debt

• The longer you’ve had credit, the better

• Transform your credit to have a mix of revolving, installment and other types of accounts

• Helps you look for a lender or sub-primer lender which may lend you money even if you have a low credit score they may lend you some money with a higher interest with a short period of time

• Work out with inaccurate card inquiries and applications removed from your credit report

• The longer you’ve had credit, the better

GET CREDIT HELP FROM​

THE INDUSTRY LEADERS IN CREDIT REPAIR

Boost your credit score

Credit score increased for a recent client
0 to 618 in only 70 days on Equifax report. We boost credit scores successfully for all our clients in short time

Remove unauthorized items

We regularly find, challenge and remove unauthorized credit items. We also remove inquiries that are not authorized by you.

Resolve disputes

We resolve disputes by working with Equifax and Transunion directly. Resolving disputes step by step is our specialty.

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WHAT CREDIT REPAIR COMPANIES CAN DO

These are some examples of credit repair companies can do for you to improve your credit score. When dealing with repairing services, know your rights. As a consumer you must know that you are protected by law, credit repairing services are here to help you and guide you along the way under the Consumer services act.

In case that credit repair services do not follow below information, you may always cancel your contract:

Cooling-off period

As a consumer, you have a specific number of days that you may cancel the agreement without explaining the reason why you are canceling the contract

Misrepresentation

It is illegal to provide false information about their company and identity. In case that you may have the contract with, that misinterpreted their products and services you may have a one year to cancel the contract

Delivery of goods

When you have a contract with credit repairing services under the consumer protection law if unable to receive a copy of your agreement, you may always cancel the agreement anytime

Your rights under a contract

When you agreed to a contract, as a consumer you have to read and understand the terms and conditions before signing

get in touch with us

Having a bad credit is not easy it may put you in too much burden especially when planning to have a big purchase like a house or a car. Seeking for a professional help is a must-do. Credit repairing services may help you transform your situation to make your loan applications approved with the lower interest rates

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