Welcome to Credit Score Improvement

Welcome to Credit Score Improvement, LLC (“CSI”). This is your first step to understanding and improving your current credit score. There are so many questions that you have about your credit score and credit report.

In today’s difficult financial times, we have been made aware of the importance of credit scores. There are advertisements everywhere referencing credit scores. Many people do not know or understand their own credit scores. Some have experienced attempting to address credit issues and obtain a copy of their credit report, only to be faced with 10 to 30 pages of confusing information. The reality comes that it would take a massive amount of time and commitment and follow up to reach the ultimate goal of obtaining a better credit score.

Questions start to come to your mind…

  • How do I get a copy of my credit report?
  • How do I read my credit report?
  • What is a good credit score?
  • How do I understand my credit report? What's wrong with it?
  • How do I know if my credit score is good or bad? How do I improve it?
  • Where do I start? Who do I contact first?

The answer is, "CSI."

CSI can answer all of these questions for you and help you understand your credit history fully. Throughout the CSI process, we will guide you through the many areas that pertain to achieving your personal credit goals. We are not a credit correction company but a credit score improvement consulting firm for individuals. You might need to qualify for a loan, rebuild credit, or reach the next credit score level. CSI’s services are used by consumers and by lending institutions such as banks, mortgage companies, and credit unions, relative to their clients' credit scores. The overall goal is to understand personal credit needs, to dissect each credit score, and educate so that your score may be improved and continue a gradual climb for years to come. This will serve as a solid foundation to build upon for the course of your life. It is a financial necessity for all of us and unleashes independence (eliminates the need for co-signers, etc.), opening up quality of life opportunities as your credit score increases.

Back to top


Your Credit Score

We live in a world driven by credit scores and credit reports. Credit scores dictate what we can and cannot do in life. It can be scary at times when one thinks about how such a seemingly small thing can impact our lives. Much like balancing a checkbook, most of us were not taught how to establish credit or maintain it, regardless of being cognizant of our credit scores ongoing and throughout our adult lives, beginning with teenage years. Credit building starts at a very early age. Unfortunately, most individuals seeking credit enhancement are beyond teenage years and in need of a way to repair and rebuild credit. CSI is the professional that will help you build and repair.

In your adult life, credit scores are used for the following. Within each category, there can be ranges as well. Interest rates as well as approval amounts are contingent on your personal credit score.

  • Mortgage approval determination, rate, payment amount
  • Installment loan acceptance, interest rate, payment amount (automobile, motorcycle, etc.)
  • Credit card acceptance and rate
  • Bank account acceptance (checking, savings)
  • New job approval for hiring requirements
  • Insurance approval and rate (auto, home, health, etc.)

Every client is unique and presents a different set of challenges. At CSI, each client is treated as a special circumstance, relative to their personal credit needs.

Back to top


How We Help

When CSI first speaks with you, the focus is on what you are seeking to accomplish, along with any time sensitivity in achieving your goal. Achieving your credit goal within a desired time frame is highly dependent on your current credit situation. CSI is here to help build your credit for the long term and help you understand how credit works. In the end, our goal is to help you obtain the highest credit score possible and maintain it.

Back to top


How Much Does This Cost?

You should now understand the value of a good credit score. CSI also understands that in today’s times, affordable payment options are also needed. Additional and large expenses are problematic when most budgets are tight. The program is for one year, and the total cost for an individual is $850.00. The total cost for a joint credit report (husband /wife or life partner) is $995.00. You may start today with $200.00 down and a payment plan for less than $50.00 every two weeks.

Back to top


How Long Does It Take?

Changes can be made to meet goals, but real change is noted within a 12-month time frame. Credit history has a rolling effect. It takes years to build destructive credit, so it will take years to rebuild it. However, this does not mean that it will take a year to see any improvement in your credit score. An analogy CSI outlines is, “Baby steps are taken before you learn to walk, and you learn to walk before you run.” Our years of experience will help you understand how long your individual process will take.

The best news is that you have made the decision to take the first steps and to correct a problem. The magnitude of the problem(s) and the goal(s) that you would like to achieve are relative to the length of time in accomplishing your goal. CSI will consult and advise once your unique circumstances are discussed.

Back to top


For Lenders (Banks, Mortgage Companies, Credit Unions, etc.)

CSI is a partner with lenders and loan officers. CSI’s goal is the same as a lender’s goal: to close each deal, maximize profit, and find new lead sources. How does the partnership with CSI work? Read More!

Back to top


Credit Score Improvement, LLC || 312-560-9220|| rich@mycreditscoreimprovement.com