Personal Credit

Your credit affects every part of your financial abilities.  Bad credit or bruised credit not only affects your ability to get a personal  loan, mortgage, business loan or commercial real estate loan, it also increases your rate on car insurance and increases the uncertainty of a job application. The average American with less than perfect credit spends an extra 40-50% a month in higher interest rates.

Credit has never been so important, especially with today’s lending restrictions, it almost impossible to get approved for a home loan or auto loan, unless you have decent credit.

Credit is the Key to Your Financial Success and the Foundation of Your Financial Stability

If you think investing in credit repair is a waste of time, think again. With bruised credit, you are spending more monies on higher interest rates,  car insurance rates, the uncertainties of  job applications, and a larger deposit for renting.


 Credit Repair Services

What Do Credit Scores Consist Of?


A Fast Risk Assessment Tool

Credit data alone can make assessing risk a cumbersome process. Using credit scores can drastically cut the time to assess lending risk

A Composite to Quick Loan Decisions

Many loan programs are granted based on credit risk scores which make loan decisions occur in a fraction of the time

Part of any Underwriting Criteria

Lending guidelines now rely heavily on scoring products. Many automated underwriting systems use score cutoffs as a primary lending criteria.

What Determines a FICO Score?

  • 35% of your credit score is based upon your credit history
  • 30% percent of your credit score is based on the amount you owe
  • 15% of your credit is made up of the length of your credit history
  • 15% of your credit score is made up of the types of credit you use
  • 10% of your credit score is determined by new credit

Your Credit Score Evaluation:

  • 800-850 Credit Scores: Impeccable Credit
  • 700-790 Credit Scores: Excellent Credit
  • 650-690 Credit Scores: Good Credit
  • 600-640 Credit Scores: Fair Credit
  • Under 600 Credit Scores: Poor Credit
  • VantageScore scale (versions 1.0 and 2.0): 501–990

Get A fresh Start by Repairing Your Credit!

Starting over starts with you by making a decision to repair or tweak your credit.

Customized Credit Repair Solutions Tailored for You!

For more information on how we can best fix your credit  and settle your distressed debt, please fill out the online contact form about your concerns or give us a call at 855.477.9007.  Read what people have to say about First Pro Capital on our Testimonials page.

Allow our team of professionals to assist you!

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