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Find Your Financial Confidence

Get A Handle On Your Credit Debt.

Welcome to Direct Credit Services

Improve Your Credit Score With Us.

I will talk through your current credit situation and create a custom action plan for the next steps to successfully improving your credit score

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What Is Credit Repair?

Credit repair involves fixing your bad credit in any way, shape or form. But when most people use the term "credit repair," they’re referring to the process of disputing errors on credit reports.

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Improving Your Credit

The single most important factor in credit scores is paying your bills on time. If you are trying to improve your credit scores, it may be more beneficial to use the money that would be spent on hiring a credit repair firm to pay down any outstanding debts on your credit report and bring any past due accounts up to date.

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How Does Credit Repair
Work?

Credit repair services work by helping to remove negative items from your credit report such as late payments, liens, foreclosures, repossessions, and more. But finding the best credit repair service seems like an overwhelming task. With so many companies to choose from, how can you really know who to trust? That's where we can help!

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Tips for Repairing Your Credit

Important Things You Can Do Right Now

This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you.

Your payment history is the most important factor in your FICO credit score and accounts for 35% of most scores. VantageScore doesn’t provide percentages, but the percentages used are likely similar to FICO’s. And even just one late payment can drop your scores significantly. Having a good payment history is critical to maintaining healthy credit accounts.

To protect your score, it’s best to keep your credit utilization below 30% of your credit limits. A 10% credit utilization amount is ideal. An amount of 30% or less shows creditors that you can manage your available credit responsibly without maxing out your credit limits.

The age of your credit accounts is another factor in your credit standing. It accounts for roughly 15% of most credit scores. It’s also a part of your credit utilization, which makes some credit better than no credit.

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