Credit Education

Learning is the first step to credit repair. But knowing about the credit industry as a whole can be an intimidating task. There is a lot of misinformation out there, so use this section to help get the facts straight.

Search for information about all different credit topics. Click on the links below and get educated about credit scores, disputing, and other things you can couple with disputing to raise your score even more.

There are regulations in place to protect you as a consumer. You have certain rights under laws such as the Fair Credit Reporting Act. These laws are the base that Inversion Credit is built on. Read through the links to the left to know what is in these laws so you can know how to use them as well.

Key Topics

Click on any of the subjects below to learn more!

What is a bad credit score?
Since lenders use your credit score to determine your credit risk, if you have a low credit score, banks will consider you a high risk to lend money to. They will charge you higher interest rates and it will be harder to get approved. Bad credit could also contribute to higher insurance premiums and possibly getting denied apartments, credit cards, or even jobs.

Credit impacts so many aspects of our lives today that bad credit is one of the worst things a person could have. Sadly, most of the time the bad credit is undeserved.

Disputing questionable bad credit
Thousands of people who are suffering from bad credit are actually not a high credit risk. Their credit reports may contain issues from years ago, or possible have inaccuracies. However, bad credit issues are still keeping them in high interest rates and other bad credit related expenses.

Fortunately, there are ways to legally remove items that are hurting your credit score. Inversion Credit has specialists that can help you remove negative items off your report, such as late payments, collections, charge offs, and bankruptcies.
Clean Credit Scores
With millions of accounts being taken to credit reporting agencies each year, it is easy to see how thousands of Americans have errors or inaccuracies on their credit reports. If you have a bad credit score because of inaccuracies, you are definitely not alone. Though errors bring down your score dramatically, under the Fair Credit Reporting Act you have the right to dispute them.

Banks, insurance companies, and other lending institutions have access to your credit scores. And, if your report is less than perfect, it could reflect poorly on your ability to handle your finances. However, some of the items bringing your score down could be inaccurate. So then the question arises, what is classified as inaccurate or negative?

If you find something on your report that is ambiguous, potentially inaccurate, unverifiable, outdated, incomplete, or misleading it can be removed. However, if there is a negative item on your report that has been verified (such as a late payment that was verified by a credit card company), it is still possible to get it removed by working with your creditors. If you have been keeping up with your payments lately, the creditors may be willing to work with you to remove the negative item due to your good standing.

Not all negative items are inaccurate, so this can get confusing. We are here to help you if you need it and our experts are willing to listen to you and work with you. Give us a call today and see what we can do for you!

Disputing questionable bad credit

Thousands of people who are suffering from bad credit are actually not a high credit risk. Their credit reports may contain issues from years ago, or possible have inaccuracies. However, bad credit issues are still keeping them in high interest rates and other bad credit related expenses.

Fortunately, there are ways to legally remove items that are hurting your credit score. Inversion Credit has specialists that can help you remove negative items off your report, such as late payments, collections, charge offs, and bankruptcies.
What is a credit score?
Your credit score is a summary of the information on your credit report and is given on a scale of 300 to 850. Your credit score is very important to lenders, landlords, and other important institutions. This score determines your level of financial risk and responsibility.

When is a credit score “bad”?
There are many different things that negatively affect your score. These include but are not limited to late payments, identity theft, defaulted loans, and bankruptcy.

Implications of bad credit
Bad credit is not something that landlords, lenders, or even employers want to see. They look at your credit past as an indication of your financial future. They could charge you higher interest rates, deny you for a rental property or loan altogether, or even deny you a job for someone who seems more responsible.

Is your credit score telling the right story?
Millions of American are wrongly put in the high risk category because errors on their credit reports are showing them as such.

Is your credit score telling the right story? Millions of American are wrongly put in the high risk category because errors on their credit reports are showing them as such.

The proactive approach
If you suffer from bad credit, there is hope. Inversion Credit specializes in helping people remove negative items on their credit reports to ultimately improve their score. Give us a call and get started today.
Fixing Bad Credit
When looking into fixing your credit score, many do not realize that fixing is exactly what they need to do. The credit system in this country is not perfect by any means, and this leads to many credit scores that do not accurately reflect the credit risk of that person. 200+ million Americans have errors on their credit report, whether it was from improper accounting, mistaken identity, or just misunderstandings. So when you talk about credit repair, it is not simply raising your score, you literally need your broken credit fixed.

When is a credit score “bad”?
There are many different things that negatively affect your score. These include but are not limited to late payments, identity theft, defaulted loans, and bankruptcy.

Implications of bad credit
Bad credit is not something that landlords, lenders, or even employers want to see. They look at your credit past as an indication of your financial future. They could charge you higher interest rates, deny you for a rental property or loan altogether, or even deny you a job for someone who seems more responsible.

Is your credit score telling the right story?
Millions of American are wrongly put in the high risk category because errors on their credit reports are showing them as such.

Is your credit score telling the right story?
Millions of American are wrongly put in the high risk category because errors on their credit reports are showing them as such.

The proactive approach
If you suffer from bad credit, there is hope. Inversion Credit specializes in helping people remove negative items on their credit reports to ultimately improve their score. Give us a call and get started today.
Improving Credit
Today, a great credit score is 760 or above, significantly higher than previous years. The importance of your credit score has also gone up in regards to interest rates, insurance premiums, and even job opportunities.

Below are a few tips that can help you raise your credit score.

1. Use old credit cards. Credit scoring has a lot to do with credit history. If you simply pay off old cards then close accounts, you will not build much history. It is a better idea to keep an older card, use it every few months, and pay it off. This will help establish good history. Just be sure to make your payments on time!

2. Spread out your debt. Having credit cards that are constantly close to being maxed out will not look good to credit bureaus. It is suggested that you only have a few cards with low balances, below 30% of the available amount, which you pay off regularly. This will show you as much more responsible because you do not max out cards then work for months to pay them off.

3. Make payments early. Get your credit report and see what date your creditors send updated information to the credit bureaus. Usually it is not on the day the payment is due, it will be a few weeks later. When you find this out, make payments so that they will be recorded a few days before that date. This way, credit bureaus are receiving the lowest balances each time they get your updates.

4. Bonus: Always be on the lookout for items on your credit report that shouldn’t be there. There could always be inaccuracies and mistakes on your report. If you find a mistake, remove it right away to keep it from hurting your score.

Sign Up Today!

Here at Inversion Credit, we believe fixing your credit is your first step to a better life. Once your credit is where is should be, unlimited possibilites will open their doors to you. Don't let bad credit hold you back from a better life, sign up with us today!

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We would love to hear from you! Feel free to drop us a line on any of these mediums!

Snail Mail

10200 E. Girard Ave.
Denver, CO.
80231

Telephone

Our hours of operation are:
9:30AM to 6PM MST | Monday through Friday.
Feel free to give us a call during those times: 1-800-355-5670

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Feel Free to send us an inquiry e-mail at: service@inversioncredit.com

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