We are changing the perception of credit and how it can negatively impact your future. You may have been taught not to use credit, pay everything in cash, or never get a credit card. While I understand the caution, it is better to learn to use credit the right way, as it is very essential in our everyday lives.
Who We Are
Planet 850
- Fix Your Credit
- Build Your Credit
- Learn Financial Literacy
- Leverage Your Credit
Our Services
Credit Building
Your credit profile is way more important than your score! Choosing the correct tradelines, and knowing how to properly use them are essential.
Credit Education
Understanding the 5 Factors of your FICO Score is the key to success. Amounts Owed, Payment History, Length of Credit History, New Credit, Credit Mix.
Credit Restoration
We help improve your credit by removing inaccurate, and unverifiable information from your credit report. This is not just a removal process, we educate our clients on how to properly rebuild, and maintain their profile.
Schedule Your FREE Clarity Call
Why Work With Us
We know understanding your credit, and how to properly improve it could be stressful and timely. That’s why our team is here to alleviate those pains. Our team works diligently to provide our clients rapid results. We take pride in our top-tier customer service, keeping our clients updated on their profiles each step of the way. Valuing our clients’ trust, and acting with integrity has been the key to our success!
Certified Credit Consultant
Experienced and certified to assist with your Credit needs!
Excelled in high quality credit consulting training, and certification programs. Maintaining high industry standards to ensure that we are equipped to perform and deliver supreme results.
Meet Your Credit Specialist!
Imagine funding your dreams and goals responsibly and interest-free for 12 months. It’s possible! I’ve learned the concept and applied it daily. Time is one of our most valuable possessions; we have to make sure that we invest it wisely. Learn from my bumps in the road, don’t waste any more of your precious time. Let’s get you some funds!
Imagine funding your dreams and goals responsibly and interest-free for 12 months. It’s possible! I’ve learned the concept and applied it daily. Time is one of our most valuable possessions; we have to make sure that we invest it wisely. Learn from my bumps in the road, don’t waste any more of your precious time. Let’s get you some funds!
FAQs
IS CREDIT REPAIR LEGAL?
– Yes, The FCRA ( Fair Credit Reporting Agency) gives consumers the right to an accurate credit report, which allows you to start a formal dispute with credit bureaus about any inaccurate or incomplete information.
WHAT IS HURTING MY CREDIT SCORE?
– Missed Payments
– Disregarding inaccuracies on a credit report
– Carrying over high balances on credit cards
– Applying for multiple credit accounts
HOW LONG DOES THE PROCESS TAKE ?
– Our process is extremely efficient, we work at a consistent pace, communicating with our clients on a monthly basis. Clients have seen initial results as soon as 30-60 days.
WHO ARE THE THREE MAIN CREDIT BUREAUS?
– Experian, Equifax, Transunion
WHAT MAKES UP MY CREDIT SCORE?
–Your FICO score is broken down into these sections:
• Payment History-35%
• Amounts Owed-30%
• Length of Credit History-15%
• New Credit-10%
• Credit Mix-10%
• Payment History-35%
• Amounts Owed-30%
• Length of Credit History-15%
• New Credit-10%
• Credit Mix-10%
HOW DO I OBTAIN A FREE COPY OF MY CREDIT REPORT?
– By law the credit bureaus have to provide you with a free credit report every 12 months. You can claim this free credit report from http://www.annualcreditreport.com/, or by calling 1-877-322-8228.
