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We are the right team for you rather personal or business. We have the expertise and knowledge to offer impartial advice and services at an honest price.

With us you’ll feel heard. We listen to our client requirements and then select the right solution that fits. We care for your portfolio as our own. We take a sincere interest in it and genuinely want to help your score reach its highest mark possible.

800 and Higher (Excellent)

With a credit score in this range NO lender will EVER disapprove your loan application. You will be treated as royalty. The APR (Annual Percentage Rate) on your credit cards will be the lowest that it can be. This excellent credit rating screams financial knowledge and discipline as well as good credit history. To achieve this rating, you MUST also USE your credit on an ongoing monthly basis and always repay it before its due.

700 - 799 (Very Good)

With this credit score range, you will enjoy good interest rates and you will get approved for nearly any type of credit loan or personal loan, whether unsecured or secured.

680 - 699 (Good)

This range is the average credit score. Approvals are practically guaranteed BUT you can end up with a high interest rate, which will cost u thousands MORE throughout the course of your loan. If you’re thinking about a long-term loan such as a mortgage, increase your score to at least a 720 so that you can lower your interest rate, which will save you THOUSANDS throughout the course of the loan.

620 - 679 (OK or Fair)

Depending on your credit history and the type of loan or credit card you are applying for, your quotes can be a little high. You can still experience approvals, but they will be approvals with restrictions, which vary by lender.

580 - 619 (Poor)

With a poor credit rating you can still get an unsecured personal loan and even a mortgage, BUT do you have any idea what your terms and interest rates will be? HIGH! You will be required to pay MORE over a longer period of time because of the high interest rates. Eventually, it will feel as though that is all you are paying, the interest rate.

500 - 579 (Bad)

With a credit score in this range, don’t count your luck with any approvals.

499 and Lower (Very Bad)

If this is your score range, you need credit counseling. Chances are most of your accounts have negative history. I would recommend that you fix your credit first before applying for a loan.

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