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  • Why Choose Us to Assist on Your Credit Journey?
    At Gazrbrand Credit Repair & Realty we stand out for our personalized approach to credit repair. We have been in the line of credit repair since 2020. Our dedicated team of experts works tirelessly to understand your unique credit situation and craft a tailored strategy to help you achieve your financial goals. With a focus on transparency, integrity, and results we are committed to empowering you on your journey to better credit and financial freedom. Choose Gazrbrand Credit Repair & Realty for a partner you can trust in your credit repair journey.
  • How does Gazrbrand Credit Repair Service work?
    Our service includes your credit consultation, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affects your score the most. The credit repair process is important, and it requires 100% dedication. 80% is the repairing process which we will handle, the other 20% is the rebuilding process which is the client's responsibility and we do provide guidance to assist with the 20%.
  • What is a credit report?
    A Credit report is a "report card" of your spending and repayment behaviors. Credit reports often aren’t correct, and incorrect information can hurt your score. We make sure that your credit report contains correct information, so you’ll have the highest score possible.
  • What is a credit score?
    Your credit score is a 3-digit number on a scale of 300 to 850 that suggests how creditworthy you are—meaning, how good you are with credit and how much you can be trusted to pay back what you borrow. Potential lenders will use this number to decide what kinds of credit cards and loans to offer you. Generally, the higher the score, the better the offers.
  • What’s the Difference Between FICO and Vantage Score?
    The VantageScore model is slightly different from the FICO Score, examining six factors to determine your credit score. It adds one other factor, available credit, which shows how much you haven’t used in a line of credit. Both the FICO and Vantage Score are accurate in calculating your credit score. However, the FICO Score is considered an industry staple.
  • What factors are used to calculate my credit score?
    The FICO® credit scoring model—the scoring model most often used by lenders—uses five categories to calculate your credit score: Payment History: (35%)The frequency of on-time payments. Amounts Owed: (30%) The total amounts owed on all lines of credit. Length of Credit History: (15%)The length of time an account has been open. New Credit: (10%) The number of new credit accounts opened. Credit Mix: (10%) The combination of ongoing loans and lines of credit.
  • Credit factors: Explained in detail
    Payment History Payment history outlines your frequency of on-time payments. It lets lenders know if you’re financially responsible or pose a credit risk. This accounts for 35% of the FICO model and is the most important consideration. Amounts Owed Amounts owed refers to the sum of all open lines of credit and loans—basically, how much of your available credit you’ve spent. Having a high amount owed is a red flag to lenders. This accounts for 30% of your FICO score. Length of Credit History Length of credit history refers to how long you’ve had credit. Older credit accounts establish your credit foundation and can prove to lenders that you’re a responsible borrower. This accounts for 15% of your score in the FICO model. New Credit New credit examines the amount of newly opened credit accounts and loans. Banks and creditors perceive frequent new account openings as a sign of financial distress and irresponsibility. This serves as 10% of your score in the FICO model. Credit Mix Credit mix is the combination of the types of open accounts (loans, credit cards and other forms of credit). Having various open lines of credit diversifies your credit report and shows creditors that you can manage multiple financial accounts responsibly. This is 10% of your score in the FICO model.
  • What score do I need to get a house?
    There are many factors that go into being approved for a mortgage, but you'll need at least a score between 580-620 to be approved for a traditional home loan.
  • How long does the credit repair process take?
    Unfortunately, there is no quick way to "repair" or "fix" your credit. The length of time it takes to rebuild your credit history depends on how serious your credit issues were and how your credit history was affected. It could take just a few months, or it could require a longer time of commitment. In either case, there are steps you can start taking right away to help get your credit back on track. Schedule your consultation today so we can discuss your options!
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