Credit is without a doubt the most powerful financial tool in your arsenal. The problem is it can easily be turned against you and without a complete understanding of how it works and how to use it the odds of this occurring increase greatly.

The credit bureaus:  Experian, TransUnion and Equifax do not create or come up with credit scores. These three companies are not run by the government; they are for profit businesses who gather huge amounts of information about consumers. Basically, they are information and list brokers.

Credit scores are based on this information, but every place that pulls your credit score when you’re looking for financing or applying for credit has its own different mathematical formula to create the score. That’s why your score can be quite different when it’s pulled by different companies, even on the same day.

We are without question experts in the field of credit. We will provide you with information that you as a consumer and business owner will find nowhere else. We understand the interworking’s of this industry from the inside out. By providing you with a working knowledge of these systems we ensure that you will always be able to take full advantage of your credit now and in the future.