Repairing or establishing credit may  seem a little scary. There are two ways to establish or repair your credit: Pay a company or learn to "Do It Yourself." If you aren't familiar with how credit repair companies work,...initially you pay $100-500 to "contract" their services and then $75-300 PER MONTH. Their process is designed to go slow so they can keep you in their program for months.


Here's the catch,..EVERYTHING they do - you can do yourself. EVERYTHING!


Some may only need a couple months while other may need 12-16 months. Regardless of the time it takes you,..these are the areas we help people with:


  • If you only need a 20-50 point increase in your credit scores,..we'll show you how to use a secured credit card as a debit card and you'll see the results in 45-60 days. So simple!
  • Settle collection/charge off accounts at $0.35-.50 on the dollar and have them reported as "paid in full"
  • Eliminate high interest credit cards
  • Pay off personal & pay-day loans
  • Reduce your Debt to Income ratio
  • Reduce your Credit Utilization ratio
  • Improve pay history
  • And the end product,..good or great FICO scores from all three credit reporting bureaus


CREDIT LITMUS TEST: This document is a great start and begin by explaining many of the pitfalls that may have contributed to your current credit situation.
https://tinyurl.com/CreditLitmusTest

ESTABLISHING CREDIT: There is no complicated process or program you need to set up to begin this process. Having credit has a positive impact in areas such as: Rate you pay for ALL insurance, Applying for employment, Down payment requirement for lease properties, Interest rate & down payment required for vehicle loans or mortgages to buy a home,...and many more.


Thank you for taking time to read this and we hope you will click on the CONTACT US tab above to send us your contact information to get started!


Blessings ~

Carey & Billy Waddell

254-444-8826

Billy@BellCountyRealty.com