We are a local credit analysis agency in Fresno, California ready to serve Central Valley residents today! If you have bad credit and are suffering from financial stress, you are not alone and we are here to help. We work one-on-one with you as a local agency by first analyzing your credit so you can repair it the right way.
Millions of Americans contend with poor credit every day. They know from personal experience the degree to which poor credit can desolate a person's life and serenity.
The distressing impact of poor credit is personal as well as financial.
People with poor credit will be obliged to pay greater (and often MUCH greater) interest rates for mortgage and car loans, the result being that they will have had to pay many thousands of dollars extra over the life of their car and home loan, money that could have been put away for college or retirement. If you have a Low Credit Score you stand to pay a very high interest rate:
FICO Score APR*
- 720-850 5.860 %
- 700-719 5.987 %
- 675-699 6.530 %
- 620-674 7.693 %
- 560-619 12.412 %
- 500-559 13.069 %
*California averages from daily research by Informa Research Services, Inc. at www.informars.com
But what's even more distressing than that? People with EXCEPTIONALLY bad credit may not even be able to get a loan! The "American dream" of home ownership might forever remain just that for these unlucky individuals - a dream! They might be prevented from getting a credit card or a car, or even credit to purchase basic household appliances. Poor credit can affect the rates a person must pay for insurance, and even prevent them from getting a job.
But the difficulties caused by poor credit go way beyond financial. They can affect one's relationships, cause emotional and mental anguish, and even cause stress that can lead to bad health.
On the other hand, having good credit can mean a better life. It plays a critical role in a person's future, both personal and financial, and opens up opportunities that would otherwise be missed.
One out of every 3 or 4 Americans endure the bad effects of poor credit. If you happen to be one of them, there's something you need to know ...
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