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6 REASONS WHY PEOPLE DON'T FIX THEIR CREDIT

1. PEOPLE DON’T UNDERSTAND THE IMPACT OF CREDIT

Though it was not taught to us in school, your credit score/history is one of the most important factors of your financial well-being. Credit determines our financial trustworthiness and whether we can be trusted to own certain things such as a home, a car, or when we need to borrow money from the bank in case of an emergency or a life event.

Not having a good credit score can result in unbelievably high interest rates or hinder the possibility of us being able to purchase any of these things if at all.

2. IF THEY DON’T KNOW HOW TO FIX IT, THEY DON’T BELIEVE IT WORKS

A common misconception is that credit items can never be legally altered or deleted from your credit report. This is 100% false! Only verifiable and true information can be reported to the credit bureaus. Any item that is not able to be verified or contains misleading/false information can be removed! Credit repair is 100% legal and is regulated by the Department of Justice under the FCRA.

3. THEY DON’T KNOW WHO TO LOOK FOR

Another common misconception is that only an attorney’s office can help you with your credit. Again, this is false. Serrano Financial has the appropriate registration and experience to process disputes and advocate on your behalf to aggressively target accounts until they are removed. This type of credit repair is beyond the scope of what financial advisers, real estate agents, tax advisers or even some credit repair agencies can do.

4. THEY DON’T KNOW WHO TO TRUST

There are a lot of companies that promise to work magic on your credit for pennies on the dollar. Don’t be fooled! Most of these companies are NOT legally allowed to perform credit repair services and don’t have the proper registration to do so. Serrano Financial is fully registered with the California Secretary of State and by the Department of Justice to legally perform credit repair services on your behalf. We have over 10 years of experience and have a near-perfect success rate for getting false items permanently removed from your credit report.

5. IF THEY THINK THEY CAN TRUST THE COMPANY, THEY THINK IT IS TOO EXPENSIVE

Trusting us to remove negative, false and erroneous items from your credit report will always and forever be in your best interest. All credit card, mortgage and loan companies charge a SIGNIFICANTLY higher interest rate to those who do not have the best credit score. This always ends up costing thousands of dollars more in the long run, so why not take care of it sooner than later and save the most amount of money possible? Spending a little bit now will save you a lot down the line and will make the application process a breeze when purchasing a home, car or applying for a credit card or loan.

Repairing your credit is also more economically efficient than paying a debt consolidation company and often far preferable than filing for bankruptcy. These other options can do more damage than good to your financial situation and hinder you reaching your goals.

6.THEY DON’T WANT TO DO IT NOW

There is no time like the present! Don’t procrastinate on fixing your credit because you never know when life will hit you with something unexpected! Getting it done now will save you the heartache of being denied for credit later – when it might make a life-changing difference.