Do you need help boosting your credit score?

There are ways to get around credit problems that you might not be aware of. If you have dings on your credit, or if you need someone to 're-score' you because of an erroneous report on your credit, loan officers can often help you with this (see my website for suggested lenders, including those who work with hard-to-lend to people)

But for those with real problems, or for those who have no or little credit history, there are ways to use nontraditional credit records to boost your credit ratings. If you regularly pay your utility or cell phone bills or your rent on time, this can help your credit score. However, these payees usually do not report your payment history to the credit bureaus unless they have a problem. Well,the PRBC (Pay Rent, Build Credit Inc) could help you. The PRBC turns a nontraditional credit record into a bill-paying score that lenders can use to supplement your FICO score. Link to www.prbc.com for more information!

Why is your credit score so important? It will determine how much you can afford, and what type of loan and rate you qualify for. The worse the credit, the fewer and less attractive choices you have. In the long run, this can cost you money or even prevent you from getting a loan at all.