"Improve Your Credit, Improve Your Life"

Why Credit Matters

Like it or not, credit is a necessity and your credit affects every part of your financial life.

On average, consumers with less than perfect credit will end up paying 30%-40% more per month in higher interest rates if indeed you are able to get financed at all. In the long run this can cost you tens of thousands of dollars or even hundreds of thousands of dollars over the term of a 30 year mortgage. Also, it’s important to understand that poor credit may hinder future employment opportunities as well as your ability to rent an apartment, purchase a vehicle, obtain a credit card, qualify for insurance etc…

What are the Benefits of Good Credit?

A healthy credit score of 700 or above can help you qualify for low interest rates on home loans,  car loans and credit cards. If you are considered to have a good or excellent credit rating then you can save tens of thousands of dollars or even hundreds of thousands of dollars over the life of your loan.

Benefits of good credit include:

Quick credit approval

Lower interest rates

Refinance current loans for lower interest rates

Get better credit card, auto loan, and mortgage offers

Better employment opportunities

Better insurance rates

Rental approval

Reduced deposits for utilities