CREDIT

HOW CREDIT REPAIR WORKS

If questionable negative items are hurting your credit, removing them can improve your score. Here’s how we do it.

1. RESEARCH

We start by obtaining all your credit reports from the major bureaus. Then, we review them with you to see which negative items may be inaccurate, unfair or unsubstantiated.

2. CHALLENGE

Next, we open a dialogue with your creditors and the credit bureaus on your behalf, asking them to look into each of the items we identified earlier.

3. ESCALATE

We leverage specific laws to keep your case challenges moving forward. Items that are not confirmed as accurate, fair and substantiated should be removed from your reports.

4. MENTOR

Throughout this cycle, we’re here to answer your questions and teach you how to better manage your credit.

LEARN MORE WITH A
FREE CREDIT CONSULTATION.

WHAT IS A “GOOD” CREDIT SCORE?

Credit scores are generally separated into five buckets of quality—poor, fair, good, very good and exceptional. Scores between 670 and 739 are considered ‘good.’

WHAT SCORE DO I NEED TO…

Personal loans vary greatly based on the amount being asked and your credit score. As such, you may be able to get approved for a smaller loan even with a low score. For optimal rates, you’ll want a score of 700 or higher.

Without a credit score of at least 620 you are unlikely to qualify for a home loan, and even then, you may find it difficult to get approved. Scores of 700 or higher are ideal for securing low interest rates and moderate monthly payments.

Even with a score as low as 500 you may be approved for a car loan, but the interest rate will be in double digits. Raising your score to at least 660 will likely allow for single digit interest rates and significantly lower monthly payments.

NOT SURE HOW YOUR SCORE MEASURES UP?

CALL Total Credit Solutions TODAY AND GET A:

FREE

personalized
credit consultation

FREE

TransUnion
FICO® Score

FREE

TransUnion
report summary

TRUSTED LEADERS IN
CREDIT REPAIR FOR A REASON

PROVEN RESULTS

Our results speak for themselves. In 2017 alone, Total Credit Solutions clients saw 10 Million negative items removed from their credit reports.

PRACTICAL TOOLS

Our bundled services include credit monitoring, monthly FICO® Scores, identity protection services, personal finance tools and more.

PROFESSIONAL SERVICE

Total Credit Solutions has worked exclusively in credit repair since 2004. We know the law and can leverage every legal standard and consumer right for your credit.

Get your free consultation and credit analysis

TOTAL CREDIT SOLUTIONS
1281 S ULSTER ST
DENVER CO 80231

Toll Free: +1 866 359 4566
​Phone: +1 972 269 6700
Fax: +1 720 647 0295
Email: sales@totalcreditsolutions.net