Great Credit Means Great Rates
Get a Credit Analysis to help you understand the likelihood of you being Approved For A Mortgage
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Great Credit Means Great Rates
Get a Credit Analysis to help you improve the likelihood of being Approved For A Mortgage
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How It Works
Our 3 Step Process
Step 1
Schedule A Consultation
This is the most important step as it will determine if we can take on your file. We do not take just anyone. Sometimes there isn't a need for credit repair but rather credit building.
Repairing your credit means removing or correcting negative items from your report then focusing on building it up. Building credit is adding positive accounts to your file. In this consultation we can guide you in the best possible way to build up your credit.
Step 2
We Analyze Your Report
In order to render an effective consultation we need to view your credit report. Although Experian and Credit Karma are the most widely used monitoring options, we need what's called a Tri-Merge Report.
This is done through a monitoring company that brings all 3 Bureau reports into one report. This is the most accurate way to determine what is affecting your score. Credit Karma is a very vague score used only to get you to apply for credit cards whether you qualify or not.
Step 3
Upload Documents
More than 80% of credit reports have negative, erroneous or inaccurate information hurting consumers where it counts the most. That's paying more in fees and rates which means less money for the family.
Utilizing the Analysis in Step 2 we determine what items are affecting your credit and attack them based on hundreds of data points that must be reporting correctly and factually if not they must be removed.
How It Works
Our 3 Step Process
Step 1
Schedule A Consultation
This is the most important step as it will determine if we can take on your file. We do not take just anyone. Sometimes there isn't a need for credit repair but rather credit building.
Repairing your credit is removing negative items from your report then focusing on building it up. Building credit is adding positive accounts to your file. In this consultation we can guide you in the best possible way to build up your credit.
Step 2
We Analyze Your Report
In order to render an effective consultation we need to view your credit report. Although Experian and Credit Karma are the most widely used monitoring options, we need what's called a Tri-Merge Report.
This is done through a monitoring company that brings all 3 Bureau reports into one report. This is the most accurate way to determine what is affecting your score across the board. Credit Karma is a very vague 'vantage score'
Step 3
Dispute Negative Items
More than 80% of credit reports have negative, erroneous or inaccurate information hurting consumers where it counts the most. That's paying more in fees and rates which means less money for the family.
Utilizing the Analysis in Step 2 we determine what items are affecting your credit and attack them based on hundreds of data points that must be reporting correctly and factually if not they must be removed. We must also simultaneously build positive credit as we remove or correct items.
"The average American pays around $6,000 a year in debt. When you improve your rates you get to keep that... 🤔"
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About Us
Welcome to Better Horizons, where we redefine the landscape of credit repair. Our journey began with a mission to conquer financial adversity and transform lives. We understand the setbacks that tarnish credit histories, but we firmly believe in the power of triumph. With unwavering dedication, personalized strategies, and an expert team, we pave the way for brighter futures, one credit score at a time.
Through tailored approaches and comprehensive guidance, we have witnessed countless individuals overcome seemingly insurmountable challenges. Our credit repair services go beyond fixing reports; they are catalysts of change. We analyze credit profiles, challenge inaccuracies, negotiate with creditors, and empower our clients with financial education. Together, we rebuild credit and unleash a world of opportunities.
Transparency, integrity, and empathy are the foundations upon which we build lasting relationships. At Better Horizons, we celebrate every milestone and ensure no one is left behind. Our vision is a world where credit repair becomes a transformative experience, opening doors to better horizons. Join us as we rewrite the story of triumph, empowering individuals to embrace financial freedom and thrive.
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