Having great credit is more important than ever,
the reasons why you should work with us:

  • We will maiximize your credit potential.
  • We are a company with integrity.
  • We are very experienced with consumer, business and mortgage credit.
  • We will be intimately involved with your credit enhancement experience.
  • We will be there for you every step of the way.
  • Credit education and correction is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
  • Our fees are reasonable and there are NO long binding contracts. We help you to work with your files until it is done.

 

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Idle Minds Credit Capture10-300x168 Services

Idle Minds Credit Capture11-300x169 Services

We have an excellent track record in helping client’s to improve their credit scores:

​​If you have a better credit score you could potentially have a better interest rate. Just an increase of 20 point in your credit score can mean a difference of tens of thousands of dollars in interest saved on an average priced home and hundreds of dollars of interest saved on car payments and credit cards. We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power.

When lenders review your credit report and request a credit score for you, they’re very interested in how reliably you pay your bills. That’s because past payment performance is usually considered a good predictor of future performance.

You can positively influence this credit scoring factor by paying all your bills on time as agreed every month. Paying late or settling an account for less than what you originally agreed to pay can negatively affect credit scores.

You’ll want to pay all bills on time—not just credit card bills or any loans you may have, such as auto loans or student loans, but also your rent, utilities, phone bill and so on. It’s also a good idea to use resources and tools available to you, such as automatic payments or calendar reminders, to help ensure you pay on time every month.

If you’re behind on any payments, bring them current as soon as possible. Although late or missed payments appear as negative information on your credit report for seven years, their impact on your credit score declines over time: Older late payments have less effect than more recent ones.

You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received.
You may cancel services at any time. Please notify us in writing 7 days before the next billing period.

The credit utilization ratio is another important number in credit score calculations. It is calculated by adding all your credit card balances at any given time and dividing that amount by your total credit limit. For example, if you typically charge about $2,000 each month and your total credit limit across all your cards is $10,000, your utilization ratio is 20%.

To figure out your average credit utilization ratio, look at all your credit card statements from the last 12 months. Add the statement balances for each month across all your cards and divide by 12. That’s how much credit you use on average each month.

Lenders typically like to see low ratios of 30% or less, and people with the best credit scores often have very low credit utilization ratios. A low credit utilization ratio tells lenders you haven’t maxed out your credit cards and likely know how to manage credit well.