In today’s world, having a good credit score is a prerequisite to everything related to financial stability and security. Your credit rating is important in so many facets of your adult life. It is only inevitable that you should strive to achieve a good credit score.

Why do I need to boost my credit score?

There are tons of answers to this question but the following two reasons alone will help you realize that a poor credit score will literally and figuratively lead you to nowhere:

1. With a low credit rating, you will not be able to buy a car, purchase or rent a home, get insurance or take out a loan of any kind because lenders are getting more conservative and stricter with their terms and conditions every day.  They only lend to those who hold a concrete proof that they are capable of making payments.  The ultimate evidence they consider is your credit score.

2. Employers are also more careful in hiring new workers.  They now screen each job applicant’s credit report and may base their decision to employ on this factor at their discretion.

By now, you are certainly convinced that a good credit score is one of the things you should possess in order to see yourself living a brighter future.

I have a poor credit score.  Will I be in deep financial trouble for life?

The answer is a big NO.  No, you do not have to bear the cross of poor credit for the rest of your life.  In fact, there are guaranteed ways to improve and most importantly, boost your credit score.

Experian, Equifax and Trans Union are three major credit bureaus that report your credit information to lenders when necessary.  The decision whether to grant you a loan or not largely depends on the credit bureau report.

A credit score ranges anywhere between 300 and 850.  A score below 620 is considered poor while a score of 620 to 720 is fair.  An excellent credit score is 720 or greater and this is what you should strive to achieve.

How can I improve and boost my credit score?

Your financial consultant will guide you every step of the way.  Improving and boosting your credit score is highly achievable once you find a reputable and legitimate financial firm.

Graceful Financial Solutions (GFS) is an established and leading financial firm that is located in Michigan.  According to Graceful Financial Solutions’ founders, Ryan and Earl Carruthers, your credit score can go from “zero to hero” if you enroll under a tried and tested 90-day credit restoration program.

Yes, you got that right!  90 days is all it takes to restore your credit.

Removing Credit Blemishes

Expert credit consultants have the skills and experience to remove inaccurate, incomplete, unverifiable and/or out-of-date items on your credit report.  These so-called blemishes, once eliminated, will definitely improve your credit file but this alone may not always boost your credit score.

Aged Credit Lines

Adding aged credit lines to your credit history is the surefire way to boost your credit score by as much as 80 points for each aged credit line. Your credit consultant can attach up to 20-year old credit lines to your credit history.

With the appearance of aged credit lines on your credit report, you will boost your credit score dramatically because the five determinants that dictate the fate of your score will yield guaranteed positive results.

The five determinants that make up 100% of your credit score and how aged credit lines complement each one of them are:

1. Payment History – 35%

Aged credit lines result in a positive payment history.

2. Amount Owe on Credit – 30%

Aged credit lines show a low debt to credit ratio on your credit report.

3. Aged Payment History – 15%

Aged credit lines give you long years of positive payment history.

4. New Credit – 10%

Aged credit lines benefit new credit approvals.

5. Credit Mix – 10%

Aged credit lines show your capability to manage a mix of credit.




What else do I need to know about Aged Credit Lines?

1. Asking your financial consultant to attach aged credit lines to your credit file is definitely legal.

2. You don’t have access to your aged credit lines.  Their sole purpose is to give you the benefit of a positive payment history.

3. All aged credit lines are in-store and they are guaranteed to report back positive credit feedback to the major credit bureaus.

The Carruthers brothers of Graceful Financial Solutions say, “There is no shame in having bad credit, just in keeping it.”  So while there is still time to restore your credit back to good health, act now so you may start envisioning yourself living in a world where financial freedom, not bad credit, is yours to keep.

GFS representatives are experts in personal credit restoration, business credit building, credit and debt counseling, and debt settlement. GFS is committed to helping people reach their financial goals and dreams through trusted methods that guarantee results.