Credit Education

Many people think their credit is worse than what it is or don’t know how to utilize it properly to have it work for them. Don’t let credit stand in the way of achieving your dreams. Credit reports and scores don’t have to be a mystery, there are many free resources that you can use to learn and take control of your credit today.

Prominent Financial Consultants, formerly known as Prominent Credit Repair has helped remove thousands of negative items, helping people improve their score to buy homes and cars, rent an apartment, get a credit card and even receive better interest rates. Over 99% of creditors will see your credit score before handing out credit, let us help you maximize your financial possibilities.

Your Credit® Scores

can impact your loan interest rates, terms, approvals and more.

What is a FICO® Score

Do you know what your credit score is or if it is a good one? If you don’t know your credit score, or if your credit score is low, learning about credit can open up many new opportunities.

Living on a budget, investing your money, and having a high credit score can get you lower interest rates on credit cards and mortgages, lower insurance premiums, and sign-and-drive deals on new cars. You may even be able to buy a home with little or no down payment.

Having bad credit will severely limit your financial and business opportunities. No one wants to lend money to a high-risk borrower.

So isn’t it time you learned how to get good credit ?

If you have never used a financial consulting firm to go over your credit report, you should. Knowing what is on your credit report and understanding what it means is the first step in your credit education.

At Prominent Financial Consultants, we can pull your credit report and work with you individually to explain what is on it and how it will affect you and your future plans. We can advise you of your rights and help you with credit repair to help you reach your goals.

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FAQ

One of the top reasons our clients choose PFC is because of the experience that we have. What was once known as Prominent Credit Repair morphed into PFC after helping so many clients do much more than just “fix” their credit. We strive to educate, help reach goals and really put your credit to work for you!

YES! The laws provided by the government under the Fair Credit Reporting Act (FCRA) are in place to protect consumer rights and to effectively dispute any inaccurate and unverifiable items on your credit report.

It depends on your current situation, if your score is under 600 we would highly recommend giving us a call to get advice on how to raise your score. It could be due to high credit utilization, recent credit application or many other factors that effect your credit score. If you are over 600 and are in need of getting your score over 700, we can also help, there are so many strategies to get your score up and many resources available to help you reach your financial goals.

According to the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA), you have the legal right to dispute any inaccurate items on your credit report with each credit bureau and creditor.

It normally takes 30-45 days to start receiving dispute results by mail, but many of our clients have noticed changes in their credit monitoring apps after 21 days.

We Partner with all three credit bureaus:

Transunion, Equifax and Experian.

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