What's Your FICO Credit Score? If you do not know the answer to that question then you could be in for a shock the next time you apply for a loan. In most cases, those who are in the dark pay for it.

So what is the big deal? You credit report is basically a "report card" on how responsible you are at paying your bills and managing your debts. As part of the report, you are assigned a credit score. The lower your score, the higher of an interest rate you will pay on everything from car insurance to home loans. Many try to be careful by making payments on time, keeping credit card balances below 25% of their limits, and not opening up new accounts all the time.

Many do not see a boost in their score. They take care of a late payment but their score is still low. Most individuals have had anywhere from one to dozens of late payments and some even have a bankruptcy (all of which stay on your report for at least 7 years). The problem comes when there are things in your past that you have taken care of yet are still causing you to have a low score. You can take all the preventative action you want but removing black marks off your credit report can be like trying to pull out all of your own teeth by hand. It can even by like trying to walk on water with a bull at your heels.

There is a way to see a 120 point boost in anywhere from 60 to 120 days. With the help of credit attornys on your side it is possible.

Contact Jeff Fullmer at (208) 251-3567 for more information.