credit score, good credit score, credit repair, creadit score, credit score history, credit history, credit report

Welcome to CFAG Credit Management

Legal • Affordable • Confidential

Credit Repair Services

Credit Management

Changing peoples lives, One Credit Score at a Time!

Credit Repair is taking a big step forward in improving your financial future. So, choosing the RIGHT credit repair company to offer credit repair services becomes a large part of the equation for great results. With thousands of credit repair companies out there, it can become a daunting task to find the one that will be the best for you, the customer. Thus, CFAG Credit Management from Capital Financial Associates Group, LLC. has provided a number of pearls of wisdom to allow you to make the best choice in finding that company.

Our years of credit report repair experience have produced an arsenal of time-tested tools and strategies. We have helped our clients remove millions of questionable negative items legally, including:

**Collection • Late Payments • Charge Offs • Liens

Call us today for a FREE initial consultation at 1-800-506-9691 ext 202

**Hablamos Español Hola amigos hispanos, Soy Wilfredo Padron por favor llamar para su primera consulta de credito gratis al 1-800-506-9691 Ext. 205. Quisieramos resolver todos sus problemas de credito y aconsejar su futuro financiero. Nuestra compañia tiene muchos años de experiencia y tenemos un amplio conocimiento en credito y reparacion a su vez.

DOING IT YOURSELF, DOESN'T ALWAYS FIX IT

Often times you may find a number of resources that leave you with an impression that you can repair your credit on your own at no cost. As a consumer, you do have the right to attempt credit repair on your own, but it is imperative to understand what that encompasses. Legitimate Credit Repair companies have the knowledge and experience as well as the “man-power” to dispute at the bureau level and beyond. The time vested in researching, reviewing, and disputing can turn into a vicious cycle that takes you away from paying attention to all the other facets of your life. By having a proficient credit repair company, like CFAG Credit Management, do the legwork for you; you can now focus on all of the other things that matter. In addition, if you are not fully educated on and aware of the federal laws that are in place to protect you, you could end up validating your own debt, which can be detrimental to your score. Your time is valuable, and CFAG Credit Management’ efforts, experience, and knowledge are worth every penny.

You've probably turned down for a home loan, car loan, or paying high inerest rates. If so, please call one of our specialist for a free consultation on how to restore your credit.

Most people have credit cards and debts. But very few people understand how to deal with both effectively. We will help answer your questions, show you your options, and help you make good choices. One of our specialist will help you understand your credit report, understand your debt load, help you clean up your credit report, develop a workable budget, avoid scams, and ease your debt situation.

The results are amazing, but are they legal?

Yes. Disputing questionable items on your credit report is your right under the Fair Credit Reporting Act (FCRA.) Legitimate credit report repair is as legal as pleading "not guilty" in a court of law. It is entirely within your rights, and the freedom to do so is protected by law.

About credit scores

When you apply for credit – whether for a credit card, a car loan, or a mortgage – lenders want to know what risk they'd take by loaning money to you. FICO® scores are the credit scores most lenders use to determine your credit risk. You have three FICO scores, one for each of the three credit bureaus: Experian, TransUnion, and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your credit scores tend to change as well. Your 3 FICO scores affect both how much and what loan terms (interest rate, etc.) lenders will offer you at any given time. Taking steps to improve your FICO scores can help you qualify for better rates from lenders.

For your three FICO scores to be calculated, each of your three credit reports must contain at least one account which has been open for at least six months. In addition, each report must contain at least one account that has been updated in the past six months. This ensures that there is enough information – and enough recent information – in your report on which to base a FICO score on each report.

About FICO scores

Credit bureau scores are often called “FICO scores” because most credit bureau scores used in the U.S. are produced from software developed by Fair Isaac and Company. FICO scores are provided to lenders by the major credit reporting agencies.

FICO scores provide the best guide to future risk based solely on credit report data. The higher the credit score, the lower the risk. But no score says whether a specific individual will be a “good” or “bad” customer. And while many lenders use FICO scores to help them make lending decisions, each lender has its own strategy, including the level of risk it finds acceptable for a given credit product. There is no single “cutoff score” used by all lenders and there are many additional factors that lenders use to determine your actual interest rates.

Other Names for FICO Scores

FICO scores have different names at each of the credit reporting agencies. All of these scores, however, are developed using the same methods by Fair Isaac, and have been rigorously tested to ensure they provide the most accurate picture of credit risk possible using credit report data.

Credit Reporting FICOScore Agency

Equifax                  BEACON® Score
Experian                Experian/Fair Isaac Risk Model
TransUnion             EMPIRICA®More than one credit score

In general, when people talk about "your score", they're talking about your current FICO score. However, there is no one credit score used to make decisions about you. This is true because:

• Credit bureau scores are not the only scores used.
Many lenders use their own credit scores, which often will include the FICO score as well as other information about you.

• FICO scores are not the only credit bureau scores.
There are other credit bureau scores, although FICO scores are by far the most commonly used. Other credit bureau scores may evaluate your credit report differently than FICO scores, and in some cases a higher score may mean more risk, not less risk as with FICO scores.

• Your credit score may be different at each of the main credit reporting agencies.
The FICO score from each credit reporting agency considers only the data in your credit report at that agency. If your current scores from the credit reporting agencies are different, it's probably because the information those agencies have on you differs.

• Your FICO score changes over time.
As your data changes at the credit reporting agency, so will any new credit score based on your credit report. So your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today.

• How can I get my credit score?
You can purchase a credit score by contacting one of the nationwide consumer credit reporting companies.
Equifax - www.equifax.com - 1-800-685-1111
Experian - www.experian.com - 1-888-322-5583
TransUnion - www.transunion.com - 1-800-916-8800

IT'S A Fact
The average U.S. household carries $8,000 in debt on their credit cards and has 12.71 credit cards. There are 1.3 billion credit cards in use in the United States at this time. Forty-three percent of U.S. households spend more than they earn each year. And the dramatic increase in personal bankruptcies is a red flag that Americans have too much, take on too much debt, and fail to pay off their debt.

Call us today for a FREE initial consultation at 1-800-506-9691 Ext 202

Capital Financial Associates Group, LLC
A Division of Capital Financial Services Associates, Inc.