Schedule Your
Free Consultation
We promise:
- That your private information will be protected and secure
- That you will be treated professionally and courteously
- That all of your requests will be responded to in a timely manner
Before we can view your credit, we’ll need some information from you.
Don’t worry, this is secure and won’t hurt your credit score.
Easy-to-read credit reports and personalized score insights
Tools & tips to help you understand your score and take the next step
Credit Monitoring is Included at No Additional Charge which can help you spot potential identity theft.
What Is a Credit Report?
A credit report is a track record of both your personal and financial credit information. It includes information taken from public records, personal identification and debt information. Your report will show things like your payment history, your debt balances, items in default, items in collections, and who you owe money to.
What Is A Credit Score?
A credit score is comprised of 5 components and predicts how likely you are to pay back a loan on time. Your credit score range is from 350 to 850. Here are the 5 factors that make up your FICO credit score:
Payment history: 35% of your credit score
This is the biggest single factor in your credit score. All it requires is that you pay your credit cards, auto loans, mortgages, student loans, and personal loans on time. Setting up automatic bill pay is a great way to make sure you’re making on-time payments.
Credit card utilization: 30% of your credit score
This factor measures your use of revolving credit. Revolving credit is typically your credit card usage, how much of your total available credit lines you are using. For example, if you have a balance of $2500 and your total available credit is $5000, you have a 50% credit utilization ratio. You want your credit utilization not to exceed 30% if possible. This will maximize your credit scores. By paying your credit cards in full each month you will avoid paying interest and your credit score will soar.
Your Credit History: 15% of your credit score
This measures how long you have loans and credit cards accounts. The longer, the better. Closing a credit card for example will diminish your credit score.
Credit Mix: 10% of your score
This measures the different types of credit you have. There are 2 types of credit, installment loans, and revolving accounts. An example of an installment loan is car loans, mortgages, and student loans. Revolving accounts are typically credit cards. Someone with a mortgage, car loan, and 2 credit cards have 4 total accounts and a good mix of credit.
New Credit and Inquiries: 10% of your score
If you recently had an inquiry or opened new credit cards or other loans in a short period of time, this activity is going to diminish your credit scores. Limit your inquiries to 1 or 2 per month.
While there are 5 factors that are used to determine your FICO credit score, focusing on your payment history and your debt-to-credit utilization ratio is the most important. These 2 factors represent nearly two-thirds of your credit score.
One-on-One Action Plan With a Certified FICO© Professional
1 The first step is to analyze your credit report and carefully identify any errors and inaccurate information. We also make sure that your personal information is reporting correctly.
2 The next step is to challenge and dispute any inaccurate, incomplete or outdated information hat is being reported on your credit report. During this step we’re leveraging the laws under the FCRA to protect your consumer credit rights.
3 Finally, we provide you with your own client portal so you can check your credit scores as items are getting deleted from your report. Throughout this journey, we will provide you with all the tools and resources so you’re in the loop at all times.
ID Theft Restoration
Are you concerned about privacy, and personal data protection? Are you struggling with estate planning and family matters? Those worries can thankfully go away with your own, personal law firm. With 24/7 monitoring and support, we alert you of any changes or suspicious activity. With a dual plan membership of LegalShield and IDShield, you now receive the bonus benefit of Credit Counselling & Education.
People need legal coverage without the complexity because life can be unpredictable and the law can be complicated. LegalShield created a model for legal coverage in which you know exactly what you’re getting and precisely how much you’re paying for it. Once you sign up, you can sit back, relax, and know you’re covered by an entire law firm.
You do a lot online. Most of us don’t want to think about it, but the reality is that your private data and reputation can be stolen with a just few simple keystrokes. Rather than leaving security up to chance, you can proactively arm yourself against cybercrime and reputation hijacking with IDShield’s impressive privacy and reputation management consultation.
Debt Validation Letters to Creditors
In 2020, the federal Trade Commission (FTC) received around 82,700 complaints from consumers about debt collectors, and a whopping 49% of those complaints were to report attempts to collect debt they didn’t owe!* If you receive an attempt to collect an outstanding debt, do not pay it immediately. This is why a debt validation letter is so important. We help differentiate what is mistaken debt, and real debt.
When we send a collector your debt validation letter, the company is supposed to send back a debt validation letter supporting its claim. If it can’t or won’t, the claim is likely to be dropped. When you work with Ideal Credit Solutions, this is just one of the steps we take to fix your credit history and score.
*https://files.consumerfinance.gov/f/documents/cfpb_fdcpa_annual-report-congress_03-2021.pdf
Cease and Desist Letters to Collection Agencies
If a debt collector continues to contact you, and no debt is owed, a cease and desist letter is the next step. The federal Fair Debt Collection Practices Act (FDCPA) gives you the right to force a debt collector to stop communicating with you. Before this happens make sure you have proof that you either paid the debt off, or definitely do not owe the money. Not sure how to go about this? Ideal Credit Solutions is here to help.
Monthly Plan with Unlimited Dispute Letters Available
Our monthly plan includes unlimited dispute letters to the 3 credit bureaus and each individual creditor. Whether you have 1 negative item or 100 negative items, we will automatically send unlimited dispute letters to maximize the probability of achieving your desired outcome.
Why Ideal Credit Solutions?
We help you identify damaging inaccurate information on your credit report and get them removed. We provide practical, honest credit advice and a detailed evaluation of your personal credit report. We provide all the tools and resources you need to maximize your credit scores. We protect your consumer credit rights by enforcing the FCRA. We help you understand how to use credit cards efficiently to get higher credit limits. We educate you so you understand the 5 components of your credit score.
Schedule a FREE consultation for credit repair services today!
Our Trusted Partners
