What Is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthniess. The most common of the credit scoring standards are based on the FICO score created by Fair Isaac, which ranges from 350 - 850 and its intended as a predictor of whether or not you are credit worthy.

What Items Can Be Removed?

Charge-offs, collections, repossessions, collections, foreclosures, bankruptcies, tax liens, judgements inquires, late payments, old addresses and personal information, defaulted student loans.

Is Credit Repair Real?

Contrary to what the credit bureaus would like you to believe, CREDIT REPAIR DOES WORK AND HAS WORKED FOR MANY PEOPLE. Anyone with a credit core can receive long-term benefits from the advice and information provided by Credit Literacy 101. However, there are times when your own limitations make adhering to this advice impossible. The two key limiting factors are as follows: 1) Your financial situation: which includes ability to pay outstanding debts. 2) The timeframe in which you need to obtain your goals. It is possible to remove all negative items from a credit report depending on the circumstances and/or if the creditor does not follow the guidelines of the FTC and subsequent time requirements.

How Long Does It Take to Increase My Credit Score?

The amount of time needed will vary in every circumstance, usually between 30 days to 1 year to remove all negative items from the report. Our experts can advise you on how long it may take to get your score where you need it.

Should I Worry About Identity Theft?

This is one of the fastest growing crimes in America. Credit Literacy 101 can educate you on how to avoid becoming a victim, and if you are already a victim we can help you recover from this crime.

How Much Does It Cost?

Credit Literacy 101 will provide an initial FREE consultation to evaluate your credit and FICO scores. Our specialist will show you how we are able to strengthen your credit and increase your scores. This can be one of the best investments for yourself and for your financial future. Credit Literacy 101 can help you save hundreds of thousands of dollars over the course of your lifetime by increasing your credit worthiness.

How Do I Start?

Just call toll free ‚Äč(267) 974-5911, and one of our credit specialists will help get you on the path to financial success!

Start Your Financial Success Today!