What is Excellent Credit and How To Improve Your FICO Scores

When I started in the Real Estate finance industry almost 8 years ago you could get whatever program you needed at the best possible rate starting at a 620 FICO score.

The playing field has changed quite a bit and the deciding number for your FICO score is an ever moving target. It seems to be always increasing making it more difficult to get the financing you deserve.

It now takes a 720 FICO Score to Qualify for the Top Tier Loan Products.

Take that and add to it that now employers are using your credit to determine if you are "Responsible" enough to work for them?

How would any potential employer know what extreme circumstances may have happened to you before you applied for a job with them?

Lenders are scrutinizing more and more.

Today an Excellent Credit Score is 720.....Minimum.

I used to brag about having a 660 back in the day.

Here is a breakdown of FICO Scores and how they are distributed amongst the American Population.

Where do you fit into this scale of distribution? As more focus is put onto an individuals FICO Score more people are keeping a close eye on their credit because of the impact it will have on them.

Much of the information laid out on the web for Do It Yourself Credit Repair is written in a manner that assumes that the Credit Bureaus are always right and that they report with your best interest at heart.

This could NOT be further from the truth. There are many factors to properly reporting information and there are different levels that have to relay the same information. With the sheer volume of people and accounts these companies are monitoring, there is plenty of room for them to make errors.

Don't get disappointed because some site says if it is on your credit report and is affecting your FICO Scores, that you have to take long, slow, method of waiting for them to finally fall off your report. This is wrong and we will show you by working for you without charge, and getting your credit scores back to where you deserve them to be.

Did you know that at least 70% of credit reports have errors on them? What other business could have this failure rate and still be in business? This is the Credit System we are forced to deal with and it takes an expert to correctly and efficiently navigate you to successful credit restoration and get you the FICO scores you deserve.