Credit Counseling Services in Seattle, WA
Let our Seattle credit counseling experts help get you the best rates for loans, mortgages, and more by increasing your credit score. Our Seattle credit counseling experts work tirelessly to increase your credit score by working with the three major credit reporting bureaus to make sure you’re credit score is as accurate as possible. Contact us!
Our credit counseling experts discuss your goals and needs
Our credit counseling experts analyze your past credit history
JRW contacts and disputes negative or inaccurate listings
We help you monitor your credit score for changes
We restart the credit fix process as needed
Your credit score is one of the main factors that lenders take into consideration when you apply for a mortgage, loan, or credit card. A credit score is a three-digit number that is calculated based on the credit report. It determines your credit health, so you should expect a credit check every time you apply for a loan or credit card. If your credit history indicates such things as late payments, high credit usage, or any defaults, you may not get approved for new credit options in the future.
What Is a Good Credit Score?
There are several credit bureaus and reporting agencies that use different scoring models. However, the major scoring models range from 300 to 850. For example, according to FICO, the classification looks like this:
- 300-640 is very poor. Credit applicants with this credit score may not be approved for credit at all.
- 640-680 is fair. Applicants with this score are considered to be subprime borrowers.
- 680-720 is good. It is the average national credit score. This credit score indicates that an applicant is quite responsible with their credit and pays their bills on time. With this score, you will probably get approved for average rates, but some types of credit may still be unavailable to you.
- 720-800 is very good. If you have this credit score, you will most likely receive better rates from lenders. You also have a better chance of getting a favorable interest rate.
- 800-850 is exceptional. Applicants with the highest credit score are known for their excellent credit usage behavior. They are at the top of the list for the best rates from lenders.
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Building your credit score can be a challenging, but very important and rewarding process. In order to increase your score, you should make your monthly payments on time, pay more than the minimum payment, keep your credit card balances as low as possible, and apply for credit only when you need it.
If your credit is lower than you want it to be and you want to increase it, credit counseling is what you should consider. At JRW Top Beacon in Seattle, WA, we offer credit counseling services and credit education. Our mission is to help you improve your credit today in order to have a better future for you and your family tomorrow. Do you have any questions or want to know more? Feel free to contact us.
Our Customers Love Our Credit Counseling Services
I started working with Julian back in 2003 when he was helping our clients improve their credit. Fast forward to 2012 when something came up on my credit report that needed to be corrected. He started working on my credit May 1st and b/c of a car issue I was forced to apply for a car loan just a month later, knowing this error would impact the interest rate I would get and knew that there was no way it would be corrected in less than a month. When the car salesman came back after running my credit, he said you have a 790 credit score and nothing negative on your accountt at all. Julian has done the same for several of my friends and co workers- he's that good!
I must say that I am truly thrilled with the work that JRW Top Beacon has done to my credit. I had bad, bad credit which kept getting me quotes for high interest rates, large down payments, and so many other headaches. JRW Top Beacon raised my credit score and made it possible to finance my new car! Thank you so much!
