Professional Credit Repair Services
Time Travel offers several different credit repair service options. Whether your interested in restoring your credit report to a condition that enables you to purchase a home, secure a business loan, buy a car, or obtain larger credit lines.
Our credit repair services provide comprehensive solutions to meet your needs.
What Makes Up Your Credit Score
Credit scores are determined by five areas (seen below); each having a varying positive or negative impact on your score. Negative, out of date, or inaccurate items with in any one of these five areas will lower your score.
Credit Repair services can assist in the removal of such "negative, out of date or inaccurate items" and prevent them from being reported.
Our credit repair includes three rounds of disputes with the three primary credit agencies; Experian, Equifax, and Trans Union.
Clients should expect to see 50% to 75% removal of all eligible items with in the first six months, while your credit score will show improved levels in as short as 30 to 45 days.
We help individuals, families, and businesses achieve 100% credit restoration.
Schedule a free no hassle credit
consultation with us today!
#1 Payment History
High Impact 35%
Your payment history is important. It helps credit lenders gauge how likely you are to pay on time. This can also be one of the longest factors to imporve. Any payment history that is below 98% is considered poor.
#2 Credit Usage
High Impact 30%
Using over 50% of your available credit can cause a negative effect on your credit score. It is recommended to use no more than 30% of your total credit.
#3 Credit Age
Medium Impact 15%
When applying for new credit cards, loans, or lines of credit, most lenders like to see that you have a track record of successful standing credit. Lines of credit that laps or are ended prematurely will not be considered as part of your credit age. These accounts must be active.
#4 Total Accounts
Low Impact 10%
You may think that having to many credit cards can negatively impact your credit score. That simply is not the case. So long as you show responsible activity on those accounts and they are all in good standing, these lines of credit can actually improve your overall score.
#5 Hard Inquiries
Low Impact 10%
A hard inquiries happen when potential lenders request information on your credit because you've applied for credit with them. These include credit checks when you've applied for an auto loan, mortgage or credit card.
Note: Each persons credit condition is unique and will carry different degrees of credit repair needs. It is because of this we can not guarantee what your credit score will be after services are completed. Its important to understand that credit scores build with activity, time, and proper care. While we do guarantee your score will go up upon completion of our services you may still need to take further action to achieve the score you desire.