Credit Repairs

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Jose Luis Pelaez / The Image Bank / Getty Your credit utilization, a ratio that compares your total debt to total credit, is the second biggest factor that affects your credit score.It’s 30% of your score. The higher your balances are, the more it hurts your credit score. Having maxed out credit cards costs precious credit score points (not to mention costly over-the-limit fees).

SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account – NOT whether or not the adverse account is valid.

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Credit repair isn’t always easy. But whether you’re going it alone or looking for professional help, we can get you started.

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Credit Repair is a leader in credit solution and debt solutions. We offer a wide range of debt relief options for individuals and businesses.

r/CRedit: CRedit’s main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit. provides a free, personalized credit consultation along with an online dashboard and mobile app. is known for offering customers innovative technology and fast credit repair services. Read reviews to see if it’s the right company for you.

The Chamber is please to welcome the following new members: cali financial services/credit repairs/reo’s, Ramsey; Explore Chiropractic, Saddle river; fresco ips, LLC, Wyckoff; Kolinsky Wealth.

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