One Financial Business in Hackensack, New Jersey, has announced credit repair services for consumers. The company recently discussed credit repair and its benefits to the average consumer.
Carlos Felix, Founder/CEO says, “Good credit is required for virtually everything that consumers want to do these days. From getting utilities turned on to buying a home, credit reports have a say in many factors.”
Felix states that credit reports and scores can take a hit for a number of reasons. Missed or late payments, too much debt and too many inquiries can all lead to a low score. He states that these issues can follow consumers for years, often taking five to seven years before they leave the credit report. The average credit scores on most credit bureaus range from 300 to 800 points. Felix says that those who have scores that are lower than 600 will find it difficult to do many things.
“Someone with a score of 500 for instance would have difficulties in purchasing a new vehicle from a dealer,” says Felix. “These people may also have to pay higher deposits at utility companies or to lease an apartment and they may be turned down completely for mortgages and other financial products.”
Felix says that repairing low credit scores is not as difficult as it sounds for most consumers. He states that depending on the actual financial situation of the consumer in question, scores can be raised. More on the process can be found at https://goo.gl/maps/8dZN3ipm9yt.
Felix states that the company’s goal is to help consumers to raise their credit scores so that they can qualify for mortgages, enjoy lower rates on their insurance and generally live a better life financially. He states that the company works with credit bureaus as well as the consumer’s creditors to challenge any negative reports that could be affecting the score. Felix says that often, these items can be removed, particularly if they have been reported incorrectly.
Nationwide, millions of consumers fall below the desired average credit score that most financial institutions want to see. Felix says that often its not their fault at all. Consumers have lower credit scores than necessary to achieve the things that they need. He states that the company can work with these consumers and help them to raise their scores legally. He says that the company can ensure that credit histories are updated properly and accurate to better reflect the actual financial responsibility of the consumer.
The company helps consumers by monitoring credit scores to ensure that the consumer is fully aware of any changes that are made. These changes could involve opening a new credit card or an inquiry by a lending institution. Felix says that sometimes these items show up on a credit report by mistake and that those items could cause the score to fall. Going over a credit card limit for instance could lower a score by as much as 30 points or more. Felix says that it is critical that consumers know to check their scores and keep them updated as accurately as possible in order to avoid falling scores.
The company has received a number of credit repair reviews that can be read online. Felix states that they work with consumers that are facing any financial situation to help them to legally raise their scores and to educate them on the importance of checking their scores regularly. He states that the company uses a number of customized tools and education to help consumers to get their scores where they need them to be in order to enjoy a healthier financial profile.
Those who are interested in learning more about what the company does, and the process of credit repair can visit them on their official website. Felix states that anyone who has questions can contact the company directly by phone or email or use the online chat feature that is available on their company website.
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For more information about One Financial Business, contact the company here:
One Financial Business
Carlos Felix
(877) 342-4202
credit@onefinancialbusiness.com
411 Hackensack Ave Suite 806, , Hackensack, NJ, 07601, USA
