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CRX Professional Services, Houston, TX (2026)

08/07/2021

Your score is an integral part of your financial life. You must understand what it's all about. Lenders, landlords, insurers, utility companies, and even employers look at your scores. It is derived from what's in your reports, and it ranges between 300 and 850 on FICO.

There's so much dependent on your score it’s important to understand what's all involved and the things affecting it. Unfortunately, people commonly have a lot of misinformation and misunderstandings about their scores. Here are three of the most common score myths and along with it the facts:

MYTH #1: The major bureaus use different formulas for calculating your score.

FACT: The three major bureaus - Equifax, TransUnion, and Experian -- give the score a different name. They all use different names for the scores, but they all use the same formula to come up with it.

MYTH #2: Paying off your debts is all you need to do to immediately repair your score.

FACT: Your score is mostly determined by your past performance more than your current amount of debt. It will be very helpful to pay off your cards and settle any outstanding loans, but if yours is a history of late or missed payments, it won’t remove the damage overnight. It takes time to repair your score.

MYTH #3: Closing old accounts will boost your score.

FACT: This is a common misconception. It's not closing accounts that affect your score, it's opening them. Closing accounts can never help your score and may hurt it. Yes, having too many open accounts does hurt your score. But once the accounts have been opened, the damage has already been done. Shutting the account doesn’t repair it and it may make things worse.

If you want to speak with a Professional for a FREE consultation to explain these myths in further detail.

08/04/2021

Secured credit is a credit or a loan that uses something as collateral. In some cases, this could be an asset like a house. In some cases, this collateral could be money frozen in an account by the bank for just such a purchase. If you need approval following a big problem with your score, secured credit may be something you can qualify for.

You can use this secured method to reestablish a good approval rating so that you will qualify for other loans in the future. You may have to pay slightly higher interest if your score is quite low, but in the long term repaying this type of loan can improve your score.

08/02/2021

If you have a not-so-good file following a hardship or other major financial upheaval, you may be able to get back into a better rating by taking out a loan you can handle. Make an appointment to see your bank or specialized lender a few months or years after the problem in question and arrange for a small loan.

Pay it back quickly. It could slightly improve your profile and it will show lenders that you are having an easier time paying your bills. Taking out a small one you can repay is part of the slow process of reestablishing a better life following a big setback.

07/28/2021

I want to share with you a great trick to use if you have charge cards. 30% of your score has to deal with something call credit utilization. What is your total revolving debt balances compared with your revolving limits? A quick example, let's say you have two cards with total balances of $250 and your total limits is $500. That will give you a credit utilization of 50%, $250 balances/$500 total balance. It's recommended to have your utilization under 30%, to the least. The smaller that percentage the better though.

👉A quick way to give your score a boost is to make a line increase request to your current card providers. Let's use our previous example for a better explanation. If you requested a line increase with each card provider and they both increased your line by just $500, that will significantly lower your credit utilization ratio. Your balances staying the same, but your limits increase $1,000 total will give you at the utilization of 16%. Because $250 divided by $1,500 equals 16%. A credit utilization this low is great! And what's better is, you didn't have to add any more money to your balances at all.

👉👉By simply requesting a line increase with your current card providers can do wonders for your score. If you have been with your card provider for at least 6 months, I highly recommend that you try this strategy.

😎😎Thank me later. I hope you found this helpful. If you need help improving your score, I'd love to help. DM US!

Or download our e-book on our Instagram Bio at no cost! 📌

07/26/2021

💅💅 CREDIT BUREAUS CAN'T FIX YOUR CREDIT ALONE💅💅

When debtors find mistakes on their credit report, they often only contact the credit bureaus. While this is the most effective way to resolve the issue, you should in some cases contact the creditors whose account has caused a ding on your credit report.
This can help future dings and resolve problems faster.

Consider an example: Let’s say that you were late sending a credit card payment two months ago because you were sick.

The late payment is listed as a ding on your credit report even though you have paid it already. You should contact the credit bureau in order to get the error removed. However, if you notice that the same credit card company has you listed as having late payments three months when you paid on time, then it is time to contact the credit company and ask how to resolve the problem.

The information reported about you to credit bureaus should be accurate - if it is not, then the credit company should work to make sure that they correct the problem so that it does not happen again.

You have an advantage in this - the credit company, unlike the credit bureau, depends on your business for their money. This means that the credit company (or any other bill company presenting inaccurate information about you) is well motivated to correct the problem or risk losing you as a client.

If you find that a company consistently reports inaccurate information about you to credit bureaus, consider making a formal complaint to the company about it or switch companies.

There is no reason why one company’s poor organization should cost you your good credit score

Need help on getting this done? DM Us Now! We will answer your query ;)

07/24/2021

👉👉When you pull your credit report to look at it, it is counted as a “soft inquiry.”

Only “hard inquiries” from lenders will affect your credit score dramatically.

Although checking your credit score too often is an expensive habit, you should not avoid checking your credit report because you fear it will make your credit rating worse.

Send us a message if you have any questions about your credit. Let us know how we can help you.

07/21/2021

📌Could you imagine getting an email from some company telling you their intention if they are planning to scam you?📌

That would make your decision so easy to stay away from them or not.

Unfortunately, this is not the case, and you won't be warned before getting scammed, so I wanted to ensure you know what to look for in a sketchy company.

Watch out for scammers, though, and choose a reputable Credit Repair Company with these tips:

𝐃𝐨𝐧'𝐭 𝐩𝐚𝐲 𝐚𝐧𝐲𝐭𝐡𝐢𝐧𝐠 𝐮𝐩-𝐟𝐫𝐨𝐧𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐂𝐫𝐞𝐝𝐢𝐭 𝐑𝐞𝐩𝐚𝐢𝐫 𝐒𝐢𝐝𝐞
Avoid a Credit Repair Company that wants you to hand over a fee or payment before they meet with you or completes an Audit for you.

"𝐖𝐚𝐭𝐜𝐡 𝐨𝐮𝐭 𝐟𝐨𝐫 "𝐫𝐞-𝐢𝐧𝐯𝐞𝐧𝐭𝐨𝐫𝐬"
Some companies will tell you that you can wipe your credit slate clean by "re-inventing" yourself with a new social security number. But that's not true! In most cases, what they plan to do is get you a new credit report by applying for a Credit Privacy Number (CPN)--used by scammers--which resembles a social security number, and you're told to use it as such.

𝐋𝐨𝐨𝐤 𝐟𝐨𝐫 𝐨𝐧𝐞 𝐭𝐡𝐚𝐭 𝐡𝐞𝐥𝐩𝐬 𝐲𝐨𝐮 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮𝐫𝐬𝐞𝐥𝐟
A good Credit Repair Company will tell you (for free!) what you can do yourself, such as writing letters to creditors and contacting the credit reporting bureaus about errors.

Avoid any Credit Repair Company that encourages you to do anything illegal or unethical--such as disputing a legitimate charge or fee on your credit report, or telling you to get a police report to get rid of inquiries.

Book a consultation with us without paying a company upfront for anything, so we could inform you if you need help or not.

07/18/2021

📌Many inquiries look bad on your report, but more than that you likely want to know who can see your personal financial information, now that you know that your personal information is stored in a report.

If you sign a document with a lender or apply for credit online, you can be sure that someone is looking at your credit report.

However, you may want to look over other documents in order to see who is taking a peek. Insurance agents will often look at your report, for example.

Some landlords and potential employers will, too.

You need to be careful about online sources, too.

In general, when you provide someone with your social insurance number, you may be giving permission to look at your report.

You shouldn’t bar people from looking, but knowing who is looking is good financial practice.

Want to know more about Credit Repair? Check out our link in IG Bio!

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07/16/2021

👉👉 Sometimes, there are legitimate reasons why you didn’t pay a bill.

If a contractor refused to finish a job or did a poor job, then you may have refused payment, but the non-payment may still count against you on your credit report.

If there are any unusual circumstances surrounding your credit report that may affect your credit rating - such as a case of identity theft - you can ask that a note be attached to your credit report to explain the problem.

Some lenders will pay attention to this and some will not, but it is a better solution than nothing at all.

Such a note will not affect your credit score but will affect your credit report.

More importantly, it leaves a paper trail of the problem that lenders can look at if they choose.

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07/15/2021

👉👉 How much do you relate and how much do you agree?

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07/11/2021

Most people are shocked when they find out that Credit Karma is not a credit monitoring site. They are a marketing and referral site. They purchased Vantage scores for pennies on the dollar to market to you a score that isn't yours. Then they market credit cards to you that you may have a "Very Good" chance of qualifying for based on a score that isn't true "The irony".

When you click to apply for the card, Credit Karma gets paid $3 to $4 or more even if you get denied. If you get approved, they get upward of $30+ per approval. Imagine having 3 million users applying for accounts through them quarterly with 33 % getting approved. That FREE CREDIT MONITORING site just made at least $36 Million per quarter. This is why you see those commercials due to the huge marketing budget they have. So, be very careful in using the site for monitoring that is constantly marketing things for you to use inquiries on.

The reality is, if you signed up for credit monitoring where you can view your scores for free, you are probably not looking at a score that the bank is going to pull. To be honest, you have 65 different FICO credit scores combined through all of the Credit Bureaus. According to myFICO.com, each scoring model is primarily used for the type of credit account applied for. The most widely used version for personal loans is the FICO 8 score.

You may want to make sure that you ask the lender to verify the version before having them pull your credit inquiry for a loan. It could be the difference between you getting a low-interest rate mortgage or denied.

We hope this helps clear up some of the confusion that most consumers have about their scores and we hope you enjoyed your weekly tip!

07/09/2021

⚠️⚠️ Some people believe that owing no money, having no credit cards, and in fact, avoiding the whole world of credit will help improve their credit. ⚠️⚠️

The opposite is true - lenders want to see that you can handle credit, and the only way they can tell is if you have credit that you handle responsibly.

Having no credit at all can actually be worse for your credit score than having a few credit accounts that you pay off scrupulously.

If you currently have no credit accounts at all, opening a low-balance credit card can actually boost your score.

CRX Professional Services

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