Credit refers to receiving money, goods or services with the agreement that it will be paid back over time with interest. We purchase many things on credit such as homes (mortgage installment), cars (auto installments), and even use credit cards for general purchases (revolving credit line).

The two main types of scores you should be aware of are the Vantage Score and the FICO score. 90% of lenders will make use of your FICO score, which can vary up to 120 points from a Vantage Score. Your score is a 3 digit number assigned by a complex algorithm that measures your creditworthiness based on what your credit report contains. Lenders use this number to weigh the risk vs benefit of lending to you.

For the most part, a 680+ is considered good credit.

Anything below 600 would be considered bad credit. Fair credit generally falls between 600-680.

Not paying your bills on time, High credit utilization , Credit Reporting Errors, Too many Inquiries, Too many new accounts, Not enough credit mix.

Credit scores range from 300 - 850.

You can think of a credit bureau as a company that keeps track of your creditworthiness. They collect information about your financial habits, then provide this information to lenders and credit card companies. Equifax, TransUnion, and Experian are the three credit bureaus.

You can get your credit score for a small fee from online credit monitoring services such as MyScore IQ, MyFico and many others. Some will offer a free score with subscription.

Your credit score is completely separate from your credit report. A credit report does not provide a score. Your score is calculated by algorithms created by private companies such as FICO and Vantage Scores. Additionally, your credit report includes identifying information, trade lines, credit histories, credit inquiries, public records, collections, and other late payment information. Your credit report is generated by private companies known as the credit bureaus. They are Equifax, Experian and Transunion.

There are 5 separate components to your credit score. Payment history, which accounts for 35% of your score, Credit utilization which accounts for 30% of your score, Credit Age which accounts for 15% of your score, Credit Mix which accounts for 10% of your score and New Credit which accounts for 10% of your score.

While there are many lenders and several different types of loans available for buying a home , the general consensus is that you need at least a 620 to buy a home, but 680 would provide you with more reasonable rates.

Depending on the lender, you can get a car with just about any credit score with enough of a down payment, but you're looking at disgusting rates. You can plan to pay $40,000+ total for a $18,000 car with bad credit rates. It's best to wait until you have better credit to make large purchases.

The credit bureaus must provide you with a free credit report every 12 months - it's the law. You can claim this free credit report from http://www.annualcreditreport.com/

The process of credit repair involves removing any questionable negative items from your credit report. You can request the bureaus and your creditors to remove these items if they cannot verify that they are fair and accurate.

Your right to an accurate, fair, and substantiated credit profile is guaranteed by law. You can correct or repair something wrong with your credit by working with your creditors and credit bureaus.

We are prohibited by law from making any guarantees, however, in our experience, most credit repair files are completed in as little as 6 months.

Of course! The process can certainly be done on your own. Simply read up on the important laws like the FCRA and FDCPA, and communicate with the credit bureaus and creditors. We're not in business because the consumer can't, we're simply a luxury service, just like car detailers and house cleaners. We take the headache out of corresponding with debt collectors and credit bureaus so you don't have to deal with it!

We understand that your budget is tight. We do have more affordable DIY options for you, however, having bad credit is going to cost you far more in the long run, than credit repair service. All those high interest rates and compounded credit card interest add up fast. We strongly urge you to consider credit repair a highly important investment into your financial future.

Yes, of course. Your credit profile must be accurate, substantiated and fair. Repairing your credit is merely one way to get there.

The credit bureaus and your creditors are required by law to remove any negative items on your report that they can't prove are accurate, fair and substantiated. When these items are deleted from your payment history, we call that a removal.

It's possible for your creditors to re-report deleted or removed items. That's why you should contact both your credit bureau and your creditors. In this way, inaccurate and unfair negative items are less likely to appear again on your credit report. It's important to note that credit repair is not debt settlement and even though items were removed, the debt is still owed. You should consider working out an affordable payment plan with them after it's removed so that it doesn't come back.

Certainly. If someone uses your name to obtain credit, this trade line, as well as any missed payments or collections associated with it, will appear on your credit report. Your credit report may still reflect these issues even after you've recovered your identity. Credit repair is vital for successful identity theft recovery.

You can lose your credit rating if you have past-due medical bills. Fortunately, certain practices in medical debt reporting are prohibited by law. You may need credit repair if medical bills are negatively impacting your credit.

Yes, but they can also improve your credit. You will benefit from making timely payments on your student loans. Furthermore, you could incur some serious damage to your credit profile if you miss these payments. If you've missed payments due to your student loans, or if you've missed other payments, it may be time to consider credit repair.

Some of the laws that protect your right to an accurate credit report are the Fair Credit Reporting Act, The Fair Debt Collections Practices Act, the Fair and Accurate Transactions Act, and several more. We leverage these laws to protect your consumer rights and get inaccurate negative information deleted.

Sadly, no. Even after a questionable negative item is removed from your credit report, the actual debt still remains (assuming it was valid to begin with). The creditor or collection agency may re-report the listing if you don't pay the debt. Getting rid of a negative item without addressing the debt is only a temporary fix. If you feel that a negative credit listing is 100% accurate, timely, and verifiable, we recommend that you do not dispute it.

You can cancel our service at any time if we aren't meeting your expectations. However, credit repair does not happen overnight. You can cancel your engagement agreement at any time by contacting us via telephone or email.

Generally, no. Be wary of credit repair companies that promise results or charge you upfront. Not only is that illegal, it is a red flag that something suspicious may be going.

No. Just because you've paid a collection account does not mean it will automatically be removed from your credit report. Similar to a Chapter 7 or Chapter 13 bankruptcy filing, a paid collection account will stay on your credit history for up to seven years, even if you ask major credit bureaus to remove it once you paid or settled the debt. Doing the credit repair process allows you to exercise your rights to demand accuracy of those reporting's (which most bureaus report inaccurately) or be removed.

It is common error for other companies, who provide credit repair, to predict which items, IF any items, can be deleted from your personal credit profile, so WE DO NOT MAKE GUARANTEES OR PROMISES that using this service will work for you. The respective credit agencies are the only ones who can add or delete information from your credit reports. Credit Fitness, This GAL Talks Credit, our partners or any third party that we are affiliated with cannot remove any items or guarantee any results.

Most who actively and/or fully participate in our program and follow the steps as directed may receive results every 30 to 45 calendar days from the last date of letters of dispute completed within the round(s) sent to the respective credit agencies and creditors. It is wise to carry out 6 to 12 months of consistent rounds of disputes to see results. You must also fully participate and use the software(s) and follow the instructions provided and avoid any pitfalls that could eliminate your progress.

The proper expectation to have when working on your credit report when requesting the removal of errors or inaccurate, outdated, unverifiable information by the respective credit agencies is to allow up to a minimum of 6 months for the changes to be applied. It is also important to allow for 6 months to a year or longer for changes to occur when other factors are applied to your credit report such as new late payments, new collections, BK’s recently filed or discharged, closed accounts and or maxed out credit limits and balances, hard inquiries (many more factors may be applicable). We do suggest that once you have reached your 3 month milestone to opt in for a full assessment (fees may apply) to gain additional clarity on your credit status.

The overall service can be rewarding if the instructions and guidance that is provided is followed promptly and in the correct order and manner. And since you are able to access our FREE credit repair platform this may reduce your chances of having to spend the normal fees that are expected when you do retain a credit repair agency. With this program you are able to save by only having to cover the cost of your personal credit report, copy paper, ink, and postage. That’s it!

Yes! We are here if you need us! Select GO Private Client if you would like to schedule a consult.

You must first sign up with our program and then opt in to purchase your credit report monitor through the company we have partnered with on our business website CLICK HERE.

Yes! We understand the unease and uncertainty of allowing someone to see your credit report information and that is why we have taken measures for you to select the best options for you to participate with minimal guidance using your own smart devices and your eyes only. You can take comfort in using this program while remaining discreet and confidential.

Yes, but you may not have the best experience. The credit reporting software is most compatible with our credit repair software that will be used to help you quickly discover and select the items found on your credit report that you believe may be untimely, misleading, not correct or probable.

This process was designed with you in mind to create ease of using 3 simple steps to contact the credit agencies to enforce the accuracy of your credit report by way of them making any corrections or simply deleting the item(s), if they cannot factually provide evidence that it belongs on your profile.

The use of our credit repair software is absolutely free to enable you and other under-served communities and individuals, who may not be able to afford traditional credit repair services, and/or for those who are looking for a non-traditional way for improving their credit status on their own, with minimal to no professional assistance.

This program was created to provide an opportunity for you to improve your current credit profile using simplicity and affordability thru artificial intelligence to create your dispute letters quickly.

The end goal for each party involved, you, us and the lenders allows for you to gain access to hundreds of lending opportunities through bank products. that may or may not be limited to 0% to lower interest rates for credit cards, car loans, personal loans, mortgages and refinances. GO Private Client.

As a result of successful transactions and bank approvals that may or may not occur our company in reciprocity maybe provided with compensation through referral fees.

Only you will be able to see and review your credit profile when you register. If you should opt in for GO Private Client coaching, consulting or funding opportunities, you will have to submit your request and grant permission to allow someone other than yourself to access or pull your personal credit report.

Bank products that you may receive a pre or guaranteed approval may or may not require a hard inquiry. It is advised to ask for proper expectations before moving forward on any additional credit inquiries, involving bank financing for a house, vehicle, credit card, line of credit, personal loan or any extension of credit tools like health, life and car insurance or employment.

We do not charge for the use of our artificial intelligence credit repair software and website that houses your information to track your credit journey, but the 3rd party (the suggested credit monitor) company that we have partnered with, provides you the opportunity to view and gain access to your most current credit reports without lowering your scores or creating a negative impact to your credit scores. The monthly subscription service will provide you up to date information about your ongoing progress, results and deletions. The use of this monitor may also remove the need to learn consumer law, how to read and locate errors on your credit profile, as it is common practice of professional credit repair services. This in turn creates significant value and savings for you. As updates and software updates are fully managed and handled by the credit monitoring company, it incurs a viable cost to the credit monitoring company that provides real time data for you to use. Henceforth, they have passed the incurred costs on to you, as you would pay with any other credit monitoring service that requires a fee based relationship or subscription.

We have proven that the 3 rd party service is the best suggested credit monitoring service that would provide you with ample information to help you fulfill the credit repair process using our repair platform.

Our credit repair software is free of charge and only compatible with the suggested 3rd party credit monitor to alleviate the difficulty of the overall repair process. The partnering credit monitoring company(s) will request and require their own significant fees to be paid during or after any free trial offers or as a monthly subscription as found within the details of their terms and conditions.

We do not suggest that you move forward with our program, if you feel that using a different credit monitor is better or FREE. Although you may purchase a different credit monitoring system through another 3rd party credit monitor servicer, the results and your overall customer experience and software performance may not be as desired or effective for our program. Our goal is to help you get results.

Yes. There are a few major laws that affect your credit and govern your opportunity to enforce the accuracy on your credit report. Of the 3 major important federal laws regulating consumer credit: the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Truth in Lending Act, and the Equal Credit Opportunity Act. One that you should get familiar with is The FCRA or Fair Credit Reporting Act. The Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. (Wikipedia)  The purpose of The Fair Credit Reporting Act (FCRA) , 15 U.S.C. § 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called & "file disclosure") and dispute any items that you believe may be inaccurate, misleading, outdated or unverifiable.

Our company program does not guarantee any results or express that any of our past or current clients’ testimonials of results are typical. We have taken the necessary steps to provide you with ample resources to follow through with the credit repair process to make the requests for corrections to be made by the credit reporting agencies.

We strongly suggest if you need accountability to select GO Private Client. But if you decide not to and feel that during or after an attempt of repairing your credit profile using this program becomes overwhelming, we are standing by and here to help you by visiting our company page to request for additional help through consultation, coaching or our fully done for your program @ https//:creditfitness.co

No credit repair service should make false claims or guarantees that you will obtain any credit score improvement during or after using their service. By exercising your rights to send disputes to the respective credit agencies to demand corrections for an accurate profile, may provide an increase in your overall credit score(s), but it does NOT guarantee that you will be approved for any lending opportunities. The underwriting process that is carried out by lenders may include, but is not limited to your credit scores, employment type and income, as well as, current debt loads that you may already have. Completing the process of credit repair, enhancement and/or building may show a positive impact in lending terms but the final lending criteria and decision lies with each individual bank.