A credit score tells lenders about your creditworthiness (how likely you are to pay back a loan based on your credit history). It is calculated using the information in your credit reports. FICO® Scores are the standard for credit scores—used by 90% of top lenders. Credit scores influence the credit that's available to a person and the terms (interest rate, etc.) that lenders may offer. It's a vital part of credit health. When you apply for credit — whether for a credit card, an auto loan or a mortgage—lenders want to know what risk they'd take by loaning money. When lenders order a credit report, they can also request a credit score that's based on the information in the report. A credit score helps lenders evaluate a credit report. It is a number that summarizes credit risk, based on a snapshot of a credit report at a particular point in time.

On average, your credit score will improve in 60 to 90 calendar days. Although a credit score is seemingly just one number, in reality, it is many moving pieces and parts. Our credit counselors work diligently with the various creditors and credit reporting agencies, to remove any negative items. As the items are removed your credit score will increase.

Yes, your involvement is critical to restoring your credit. As our counselors work with the various creditors and reporting agencies they usually uncover various discrepancies. To clean up any discrepancies we will need any receipts, text messages, emails, etc. you may have that will correct these items.