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Easy-to-read credit reports and personalized score insights

Tools and tips

Tools & tips to help you understand your score and take the next step

Credit Monitoring

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.

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

Residential Home Funding
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