We offer Free Credit Education to Help You Succeed!

Mistakes are common, we all have been in the eye of the storm after a series of bad decisions backfired at us. Handling debts is not easy, requires constant monitoring, steady efforts and lots of patience, some say it is an art form, on the other hand, we confirm that as many of our clients have done it, you are no exception, you also can.


Everything starts running in the positive direction when fruitful habits and your goodwill combine in order to achieve extraordinary results, but before we get to that point, there is one fabulous tool to be used and that can help you overcome all those challenges that are keeping you away from that first home, its name is credit repair and it is changing lives completely.

Credit repair is a process that tries to fix the negative signs on your report, by disputing errors or missing information with agencies and bureaus, or by restoring principal financial issues such as on-time payments, high debt balances, budgeting and so much more. The main reason why credit repair is there for people like you resides in the crucial task of improving credit scores.

To know more about the special details of this procedure, we must identify the factors that determine your credit score, and these are:

Payment History (35 percent)

Late payments, collections, reports, and foreclosures can hurt your score dramatically. Age of these negative items plays a big role as well.

Credit Utilization Radio (30 percent)

This basically means what percentage of your available credit is in use. For example: If you have a balance of $3000 and your max credit limit is $4000, that equals a 75% utilization ratio. This is very bad and will bring your score down significantly. On the other hand, if you have the same $3000 balance but you have $30,000 of available credit on all your credit cards, that would be only a 10% utilization and will raise your score.

Credit Mix (10 percent)

These are the number of accounts. 11-20 accounts in good standings are considered great. Not all of these have to be in use, they just need to have a history of positive payments.

Age of Credit History (15 percent)

Calculated by the oldest account on your credit report. 5-6 years is considered average and anything above 7 is great. If your credit history isn’t that old, there are some tricks to get around this. We will go over them in more detail in the following weeks.

Recent Credit Behavior (10 percent)

Made up of things like hard inquiries and the number of new accounts. These things only hurt you when they are considered new and start to have a diminished effect after a month or two. 


Select Columns Layout

There are strategies for using new accounts to your advantage, so don’t just go randomly applying for credit cards and loans. It takes 12 months for hard inquiries to stop affecting your FICO score fully and 2 years to fall off permanently. Banks will look at this when considering you for a loan.



Fixing all these problems won’t come automatically, it takes time and effort. Disputing inaccuracies, doing investigations, staying up to date with payments and choosing what is right for your report will bring a gratifying outcome of any uncomfortable situation, because these experiences are extremely frequent among first time home buyers.


Technology and new role-dynamics are making drastic changes in the way we see and handle these circumstances, one of them is the #90DayCreditChallenge from the AFTHA Program, a 21st-century solution that is innovative, engaging and completely transparent at improving the credit score of thousands of American families,

Want to know how? Click here now!