Welcome to the #1 Financial Education that specializes in Credit Restoration.
We are a "One-Stop Shop" For ALL things Credit & Money related! Schedule a FREE consultation with us...
We guarantee... It will be the BEST decision you ever made for your financial future!
A credit score is a number ranging from 300-850 that depicts a consumer's creditworthiness. The higher the credit score, the more attractive the borrower. A credit score is based on credit history: number of open accounts, total levels of debt, and repayment history. A signal of bad credit is when your credit report reflects heavy debt, negative repayment histories, rejections, defaults, judgments and other information that lenders consider risky borrowing behavior. If any of these ever happened to you then you need to fix your credit ASAP. Take action immediately and FIX YOUR CREDIT!
If your credit report shows that you have less than a 700 credit score, then you need to fix your credit.
Most major cell phone companies check your credit when you sign up for service. They argue that they’re extending a month of service to you, so they need to know how reliable your payments will be. If your credit’s bad, you may have to get a prepaid cell phone, a month-to-month contract where phones are typically more expensive, or go without one at all.
Many new businesses need bank loans to help fund their startup. A bad credit history can limit the amount you’re able to borrow to start a new business, even if you have a solid business plan and data supporting your business success.
Many people don't realize landlords check credit before approving a rental application. Having bad credit can make it much more difficult to rent an apartment or house. You may need to put down a higher deposit, or may get rejected altogether.
Certain jobs, especially those in upper management or the finance industry, require you to have a good credit history. You can actually be turned down for a job because of negative items on your credit report especially high debt amounts, bankruptcy, or outstanding bills.
Credit scores indicate the likelihood that you will default on a credit card or loan obligation. Having a low credit score means you're a riskier borrower than someone with a better credit score. Creditors and lenders make you pay for this risk by charging you a higher interest rate.
What You’ll Do Before the Call
Be sure to gather all questions you may have pertaining to your credit. You can even have credit reports ready if you wish! The more information we have, the more detailed will your consultation be!
What Happens During the Call
During your consultation we would discuss all things revolving around your specific credit standing. We can come up with a game plan for you tailored to your financial success!
What Changes After the Call
After our call, not only will we leave a long lasting impression you will not soon forget, but we would have educated you on what the best option to move forward is!
DECADE literally gave me a fresh start. Before, I was stressed out and exhausted from being turned down from lender to lender. As of now, I am currently in the final phase of purchasing a new home.
In just one month of doing business with them, my credit went up 40 points and I am sure it's going to rise some more!
DECADE was able to get a huge Judgement deleted. Due to DECADE's response to the collection saving me over $10,100.. I finally qualified for a Mercedes Benz!
Correcting The Past
We go over your credit report with you to find negative items that are inaccurate, help you understand the process of credit repair, and prepare a plan of action with you to improve your credit.
Address The Present
We dispute incorrect and unverified information on your behalf so that you can achieve the accurate credit scores you deserve.
Prepare For the Future
Lower your current interest rates on your loans and credit cards, and achieve access to better rates on new credit. You could save thousands every year!