Credit scores affect every aspect of our financial lives including qualification for mortgage loans, personal loans, business loans and auto loans, the interest rates we pay, employment opportunities, and even insurance premiums. Restoring your credit profile is one of the most important financial decisions you can make. Integrity Credit Repair is a nationally trusted credit auditing, consulting, and verification firm that make the credit building process convenient, personal, secure, and effective.
A FICO (Fair Isaac Company) or credit score is based on information drawn from your credit report. About 30 individual factors are used to determine the score. Certain factors, such as payment history, have more weight than others, such as the length of your credit history. However, a factor may be more important to your credit score than to someone else's score because of differences in individual's credit reports. Also, each factor's importance can change as your credit report changes.