Optimize your credit score to have a lower mortgage rates, better insurance rates, and an easier time with future loans. Your credit is more important than you might realize. You’ll need a good credit score if you want to secure a loan for a car or home, or if you want to lower your interest rates. It says a lot about you, and can even be reviewed when applying for a job, but most people don’t fully understand how to control or improve their credit.
We’ll guide you through every step of the process, helping you understand what credit is and why it’s important, and planning actionable steps you can take to improve it over time. We’ll take a look at your current credit and explain, in easy-to-understand terms, why it is what it is. We’ll take a look at where you fall in the spectrum of average Americans, and where you could be if you start working on improving your score.
Then, we’ll make an action plan to get your credit in better shape, such as paying down your debts, closing some of your accounts, or paying your bills more consistently, with milestones and checkpoints to observe your progress along the way.