Credit 101

Understanding Your Credit

Empower Yourself With Information

Get started on your journey to excellent credit

How Credit Works

Schedule your Consultation Today!

Having Great Credit is Not Difficult & Has Lots of Benefits

Qualify for the best rates and discounts and save thousands

Schedule your Consultation Today!

  • Don’t Apply For a Lot of New Credit at the Same Time

    Inquiries can drop your credit score by as much as 5-20 points a piece. If you are looking to get new credit, be sure you will qualify for the credit card or loan so you do not have unnecessary inquiries on your credit report.

What Makes up your
Credit Report?

You may be surprised to learn how it’s calculated

  • 35% is your on-time payment history
  • 30% is your total amount owed
  • 15% is your credit history length
  • 10% is how much new credit you have
  • 10% is different types of credit