One- or Three-Month Credit Repair for One Person or Married Couple at Graceful Credit Solutions (Up to 62% Off)

Downtown Troy

from $100
Buy!
Value Discount You Save
$250 60% $150
Limited time remaining!
Limited quantity available
4 bought

In a Nutshell

Credit pros raise scores by disputing inaccuracies and applying aged lines of revolving credit to your history

The Fine Print

Promotional value expires 90 days after purchase. Amount paid never expires. Limit 1 per person, may buy 1 additional as gift. Valid only for option purchased. All goods or services must be used by the same person. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.

Choose from Four Options

  • $100 for a one-month credit-repair service for one person ($250 value)
  • $114 for a one-month credit-repair service for a married couple ($300 value)
  • $200 for a three-month credit-repair service for one person ($500 value)
  • $209 for a three-month credit-repair service for a married couple ($550 value)
  • Click here for more information

Credit Scores: Personal Finance’s Biggest Mystery

As your financial planner will tell you, the higher your credit score, the more likely you are to be approved for loans and other forms of lending. But how does that magic three-digit number come to be? There’s more that goes into it than you’d think.

Your credit score is there to help banks, credit-card companies, and other lenders figure out how much of a risk it would be to lend you money or do business with you based on your past borrowing history. But how credit scores are calculated is a complex and mystery-shrouded process. While the criteria for credit scores is often clearly spelled out, no one quite knows for sure how the numbers are actually calculated, making them difficult to predict without handing your credit cards to a tarot reader.

FICO (Fair Isaac and Company, who created the system in 1958) is the most-used credit-score system in the US, with a scoring system from 300 to 850. The higher the score, the better one’s credit rating is. Using the FICO parameters, the main factors that compose your credit score are: payment history (35%), amounts owed (30%), length of credit history (15%), types of credit in use (10%), and opening new lines of credit (10%). VantageScore is another popular scoring system with its own similar criteria that issues scores from 501 to 990. However, it’s the next step that makes things more complicated. When you look up your credit score, it’s most often with one of the so-called “Big 3” credit unions—Equifax, Experian, and TransUnion—each of which uses its own calculations. That’s why the credit score you look up for yourself may not match the one your lender looked up for you. In fact, credit scores from the Big 3 may vary from one another by as much as 40 points.

Since the actual formulas for determining your credit score aren’t divulged, most experts agree that the safest bet for having a good score lies in always paying your bills on time and only carrying a small amount of debt. It’s also entirely possible to have errors in your file, which is why it’s important to check your credit report regularly and clear up any discrepancies. (By law, Americans are entitled to one free credit report per year from each of the Big 3 via annualcreditreport.com, though the actual scores are not included.) Should your credit score fall, there’s no magic method to improve it quickly, but the best first step is to pay down any debt you owe, which could start to improve your score in as little as 30 days.

Merchant Location Map
  1. 1

    Downtown Troy

    900 Wilshire Drive

    Troy, MI 48084

    +13138877775

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15% Bonus Savings
Get an extra 15% off local restaurants, spas, salons, and more to use within 48 hours of your Goods order! See details
By purchasing this deal you'll unlock points which can be spent on discounts and rewards. Every 5,000 points can be redeemed for $5 Off your next purchase.
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