Free Credit Report and Credit Consultation Our free consultation will give you a look at your free credit report and score with a Credit Analyst Expert. Take advantage of this no-obligation consultation. Call us at 1-800-321-7725 to get started today. CREDIT ANALYST can fix your bad credit Your credit report is one of the most important documents in your life. Unfortunately for you 80% of credit reports have errors on them. Here at Credit Analyst we have helped are clients remove....... * Late Payments * Collections * Charge Offs * Foreclosures * Judgments * Closed Accounts * Fraud * Bankruptcies * Repossessions * Inquiries Improving your credit scores will improve your life style. Don’t worry Credit Analyst can help! The Fair Credit Reporting Act (FRCA) and a number of other consumer protection statutes guard against unfair and inaccurate credit reporting tactics that creditors and collection agencies do. Do you need to get approved for a loan, fix your bad credit or even improve your credit score, then you have come to the right place. Here at Credit Analyst we have a proven track record and excellent customer service. We are so confident in are services that we have a 100% Satisfaction Guarantee.  Client Testimonials “At first I was skeptical about the credit repair process but once I talked to a Credit Analyst Expert I was extremely happy about what my financial future could look like with a little effort. I was unable to qualify for a loan prior to signing up with Credit Ananlyst but after four months my score had gone up over 125 points. At the end of  the 7 months that I worked with Credit Analyst I was pleased about their knowledge and customer service skills. I recommend CREDIT ANALYST to all my friends and family”. Credit Analyst Client- Heather B. Colorado Springs, Co (Results will very) The 5 Factors of Credit Scoring   Consider these 5 factors when trying to improve your credit.   Payment History- has a 35% impact. Paying debt on time and in full has a positive impact, and late payments, judgments and charge-offs have a negative impact.   Outstanding Credit Balances- have a 30% impact. Debt ratio of outstanding balance to available credit is important.  Keeping that below 50% is wise and below 30% even wiser. It is never a good idea to close an account; the debt ratio will go up and the number of seasoned lines will decrease. Pay outstanding debt down as close to zero as possible and evenly redistribute the remaining balance among the open lines. The increased interest incurred by moving a balance from a 0% card to a 23% card will be minimal relative to what the increased mortgage debt might be with a low credit score. Hitting the maximums of available credit can be very negative. It may be worth calling and asking the credit company to increase your available credit to lower the debt ratio, provided they can do so without a hard credit inquiry.    Length of Credit History- has a 15% impact. The length of time a particular credit line has been opened is important. A seasoned borrower is stronger.  Opening new credit cards will decrease the average length, and therefore hurt this portion of the score.   Type of Credit- has a 10% impact. A mix of auto loans, credit cards and mortgages is positive, rather than a concentration in credit cards only.  Be careful too, when getting credit at a store that is not a department store: the credit agencies frown on cards for more specialized stores where you’re likely to only make one purchase, as they seem to show desperation.   Inquiries- have a 10% impact. Hard inquiries for credit will negatively impact the score. Auto and mortgage inquiries receive special treatment and 20 inquiries can be made in a 14-day period for auto or mortgage and will be treated as only 1 inquiry. The maximum number of inquiries that will reduce the score is 10. Any inquiries beyond that in a six -month period will have no further impact on the borrower. Each hard inquiry can cost 2-50 points on a credit score How to pick the right Credit Repair Company?  Here at Credit Analyst we know that we are the best fit company for you, and this is why. We will show you through our webpage and affiliates. We are an active Member of Ethical Credit Repair Alliance which puts us above the rest of our competitors. We don’t delete everything on your credit report like most companies we simple Analyze it. When we use our one of a kind system we see what is best for you. Most consumers are looking to raise their credit score so why delete or remove everything? Companies do this to show that they are having progress with your credit report. Not all items on your credit report are bad. When choosing a credit repair company I would first look at the local and federal laws and see if they are in good standing. Please note that Credit Repair companies are serviced based and any individual can get items deleted off their credit reports. I would also make sure that they are a member of the Ethical Credit Repair Alliance and that the company does not fall short of your expectations or credit goals. That’s why we have a 100% Satisfaction Guarantee.