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Answers to Some Common Questions

What can you do to increase my personal credit score?

Many things! Your personal credit score affects so much about your life and business that it is vital to figure out any way you can increase it. At Credit Coach we take each case as an individual and make sure your score allows you to do what you are looking to do. Contact us today to get started!

What Shows up on a Credit Report?

Accounts/Trade lines: This includes credit cards, auto loans, mortgages, real estate, installment loans and revolving debt like department store cards. The report will include information on the accounts such as the balance, payment history, terms, and account status - such as whether the account was put into bankruptcy, charged off, or repossessed.
Collection Accounts: Collections are accounts that are seriously past due and have been transferred to a collection agency or creditor's internal collection department. Collections can appear to be paid and unpaid (and, yes this makes a difference when disputing. Any type of collection whether it is paid or unpaid it is extremely negative.)
You may also encounter multiple listings on credit reports for the same debt. This happens as the debt collection agencies sell the debt to other agencies. As debt is transferred between different agencies, there may be several records on the credit report for the same debt. Only one record should be marked as open at a time on the credit report. You should always dispute multiple items listing of the same account.
Public Records: The public information section of the credit report includes publicly available information about legal matters affecting your client’s credit. This could include judgments in civil actions, state or federal tax liens and bankruptcies. All court records, including satisfactions, are considered EXTREMELY negative by all credit grantors.
Because some public record information is accessible only by visiting courthouses and other government buildings in person, the credit bureaus have to send people to the courthouse to gather the records to properly investigate. Do you think the Credit Reporting Agencies “Properly Investigate”?
Inquiries: Every time credit is applied for, a credit report is pulled. The inquiry section of a credit report includes records of businesses that have checked the consumer's credit in the last two years. When creditors and lenders review clients’ credit data for the purpose of an application, a hard inquiry is listed on the credit report.
Too many hard inquiries can harm a credit score. Statistically, consumers that have had an abnormal amount of inquiries, have had an increased average overall delinquency rate. In fact, the belief that people, who apply for too much credit, are usually not financially responsible has been substantiated with factual data.

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Hear From Our Very Satisfied Clients

Over the years we have helped thousands of people just like you repair their bad credit.

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Amy B -
I really can't thank you enough. Three years ago, we were turned down for a home loan because of our credi..
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Gary W. - Elk City, Oklahoma
Gary W. talks about how Credit Coach LLC has helped him and how he is starting a new venture with our busi..
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Jamie M - Oklahoma City, OK
Well it's official - We are homeowners again after 13 years!! Thanks to an amazing team of people who help..
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Jason H - Bethany, OK
Becky Estep really knows what she is doing! For 10 years I had a low 500 credit score and could never get ..