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Credit Repair

Good credit is important for a variety of reasons. Whether you’re buying a house, car, or need to take out a loan from the bank, good credit will make it easier and more affordable to get what you want. Plus, when your credit score is high enough, you might qualify for lower interest rates on loans – which means more money in your pocket!

If you’re looking for ways to repair your credit, you’ve come to the right place. At El-Mag Insurance, we know how to improve your personal credit.

What is Good Credit?

Good credit can be defined as an individual’s ability to repay debt. It doesn’t matter if it was borrowed in cash or by using a line of credit, once money has been paid back, good credit will increase. You can also improve your score by making timely payments and avoiding high-interest loans that might end up costing more than they’re worth in the long run. With these tricks in mind, you’ll be well on your way to having good credit!

Factors that can either positively or negatively impact your credit score include:

  • Your payment history: Were your payments made on time?
  • Your credit usage: How many accounts still have balances, and what do you owe?
  • Your credit history: How long have your accounts been open?
  • Types of accounts: Can you manage installment and revolving accounts responsibly?
  • Your most recent credit activity: Have you opened or applied for new accounts?

How Can Bad Credit Impact You?

If you have a low credit score, you can be impacted in several ways:

  • You’ll have higher interest rates
  • You may have trouble being accepted for a mortgage loan or any type of loan for that matter
  • You risk being denied credit

Get in Touch With Us

How We Can Help

At El-Mag Insurance, we understand how important it is to keep your credit in good standing. That’s why we’re here to help repair your credit. Here are just some of the highlights of our Credit Repair Program:

  • Full credit audit – Equifax, TransUnion, Experian
  • Advanced tactic disputes and strategies
  • Thorough credit audit every 45 days
  • 24/7 Online portal access from a smartphone
  • Free coaching and education
  • Assistance with personal credit building
  • Free credit reporting

If you’re looking to take advantage of our Credit Repair Program and put your credit where it belongs, then give us a call today! By working with us, you’ll have peace of mind knowing that you and your credit are in good hands.