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Credit Construction program

Building credit can be complicated. If there is no credit history, the chances of obtaining a loan, credit card or financing a car are very scarce. But how do you show a positive credit history if financial institution grants credit? With our Credit Building Program, we establish a track record positive credit rating so that financial institutions and lenders grant loans with the best interest rates in the market.

The secured credit card or secured card as many call it, it is one of the best tools to build credit history, increasing the credit score to achieve a good position financial before the banks, since they help to build a solid credit and without the need for guarantors; This card is backed by a cash deposit that must be made in advance. The amount of the deposit is usually the same than your credit limit. The minimum and maximum amount to deposit varies according to the insured card. Some companies offer alternative credit cards and do not require collateral to deposit.
The credit builder loan or guaranteed loan helps build credit quickly and safely, increasing the credit score quickly and reflecting the payment of the accounts in the credit history. Usually the lender or banking institution holds the borrowed money in a savings account, the money is held until the loan is repaid. This is a forced savings program and the payments are reported to the credit bureaus creating a positive credit history month after month.
Building a good credit score requires a history of paying on time. The kind of FICO credit is made up of 5 factors: payment history, amount owed, length of credit history, new credit, and combination of credit accounts; This is the key to build a credit history by practicing good credit habits.

In addition to building a FICO credit history you need at least one credit score that has been open six months or more and at least one bank or creditor reporting lines of credit to credit bureaus in the last six months. The VantageScore credit model is the biggest competitor of FICO, and you can build a credit history faster.
The credit report is the visualization of the entire credit history of the client including the positive and negative lines of credit such as: credit inquiries, debts, repossessions, Bankruptcies, late payments, foreclosures, debt, etc.

By checking the credit report you can check if the account statements are healthy, in addition to the credit score it summarizes the credit situation in three numbers using information from credit reports and at the same time inaccuracies in the credit history can be identified and then the dispute process can begin.

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A Credit Repair Company you can trust

Credfixx is a trusted and reputable credit repair company with years of experience in helping individuals just like you overcome credit obstacles and rebuild their creditworthiness. Our team of credit experts, financial consultants, and dedicated professionals are here to assist you every step of the way.


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