Why use our Credit Services?

Credit Propel is a comprehensive credit directory that lists a variety of credit services in one convenient, online location. We have done all the research so you don’t have to. Each credit category has been designed to help you easily locate and partner with the best credit services available.

Developing good credit can save you a lot of money.  Did you know that people with good credit actually pay less in fees and rates when they're using a credit card, financing a car or buying a home?  They even pay less for insurance.

Employers are starting to use credit scores when evaluating job candidates. You might even get that better paying position because of your good credit!

Whether you’re interested in reviewing and improving your credit score, building stronger credit, or obtaining the right loan or best credit card, we can help you achieve these goals.  Our comprehensive directory lists the best credit services needed to help improve your credit, all in one convenient, online location.

Do you know your credit standing?

The first step in improving your credit is determining your credit score.  You can obtain your credit score by ordering a credit report through our credit resources.  This report will reveal your score as well as any negative marks on your credit record.

If you've run into credit obstacles in the past and you discover negative marks on your report, don't give up hope.  You can actually have past marks on your credit removed through credit repair.

By understanding your credit report, repairing any negative marks and making responsible financial decisions, you can enjoy a more profitable financial future. Think of your credit score as a picture of your credit risk. This picture reflects your risk at a specific point in time. A picture does not change; however, when you take another one, you will probably look a little different. Similarly, when your credit information changes, your score will also change to reflect the updated information.

There are steps you can take to ensure that each time a new “credit picture” is taken, it shows your best side. By observing the following guidelines, you can influence your credit worthiness for the better:

Be punctual- Pay all your bills on time. Late payments, collections, and bankruptcies have the greatest negative effect on your credit score.

Check your credit report regularly and take the necessary steps to remove inaccuracies – Don’t let your credit health suffer due to inaccurate information. If you find an inaccuracy on your credit report contact the creditor associated with the account or the credit reporting agencies to correct it immediately.

Watch your debt – Keep your account balances below 50% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $500.

Give yourself time – Time is one of the most significant factors that can improve your credit score. Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use.

Avoid excessive inquiries – A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay.

It happens - people run into obstacles with their credit, and the results of bad credit can be overwhelming. Now you have the best credit resources at your finger tips.

Bad Credit can deplete any ambition to apply for loans, credit cards, or even buy a home.  People with bad credit often feel stuck paying higher interest, but this does not have to be the case.

Most people don’t realize they can take action to change their credit standing.   Did you know you can often delete bad marks from your report and improve your credit score?  By doing this, you can save tens or even hundreds of thousands of dollars over your lifetime by reducing your interest rates.

Remember, it is your right to dispute any errors on your credit report, and we can connect you with the best best credit services to dramatically improve your credit potential.

Your score will range between 300 and 870. The higher the better. As your score increases, your credit risk decreases. Exact numbers differ by lending institution but the average high approval score is 680 or above. Often times your score is taken from all three credit reporting companies and the middle score or average score is used.

Depending on the lending institution, your score can cost you. Some lenders will charge a higher interest rate if your score is below 600

When you apply for credit your score does not come directly from FICO. Instead each bureau has its own version of the rating system with its own name.

A credit score of 680 or above can save you money, especially for home loans. If you are considering a significant loan you will want to be sure to check your credit reports first. If negative items appear on your report you have two choices. Live with it for 7 to 10 years or dispute these items.

Click here to learn more about  your options when repairing your credit with the best credit services.