Hi Score, Inc. is so confident that you will find this product useful in correcting your credit information and successfully improving your credit score that we back our product with a 30-Day, money back guarantee.
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Why Hi Score?
Why is my credit score so important?
Banks, lenders and credit card issuers use the credit score as a universal means of assessing your credit risk and credit worthiness. The credit score is calculated by the three major credit reporting bureaus (TransUnion, Experian and Equifax), and is a reflection of several factors, including your past payment history, on time payment record, amount of loans you have, etc. When your credit score is high, lenders are willing to issue loans to you at lower interest rates. And the lower the interest rate, less money you will pay in interest on your loan. On a big purchase like a car or a house, relatively small reductions in interest rate could mean thousands of dollars in savings to you. In addition, some people with excellent credit scores can even qualify for a no money down mortgages.
What can I do to contest entries on my credit report?
There are three common ways to repair your credit report:
- hire a lawyer
- hire a credit counseling company
- do-it-yourself.
Hiring a lawyer can be extraordinarily expensive at rates of over $300 per hour. Hiring a credit counseling company typically costs upwards of $1,500, and can be risky as there are many credits counseling companies with shaky reputation which make big promises, but in reality just take advantage of customers without delivering real results. That is why the Federal Trade Commission has issued a consumer warning on this topic and has strongly suggested to consumers to adopt a do-it-yourself approach. The issue until now has been that there were no comprehensive resources as to what exactly you need to do as a consumer to correct your credit report.
How can Hi Score help in contesting entries on your credit report?
To assist individuals in correcting potential errors on their credit report, Hi Score Inc. has developed a step-by-step program with all the necessary forms and applications. By using the Hi Score program, you could correct your credit report and significantly increase your FICO score within 90 days. So how do you do it? All you need to do is follow these four simple steps:
- Obtain a free copy of your credit report by going to www.freecreditreport.com
- Identify errors on your report
- Listen to the tutorial on CD1
- Contest the errors by filling out appropriate forms and mailing to credit bureaus
Hi Score INC huge library of "Easy-to-Use Forms and Letters" will make your correspondence with credit bureaus quick, concise and simple. These forms and letters have been developed, tested and proven by legal professionals who have successfully repaired credit on behalf of their clients for significant fees.
So don't delay. The tools for you to take control of your credit are here. They are affordable and easy to follow. Act now — you could be saving thousands of dollars on your mortgage or car loan by making a small investment in the Hi Score Program.
Facts & Figures
Get credit card savvy or get fleeced
FTC Article Dated: August 26, 2002
According to a recent study by Nellie Mae, a national student loan financing organization:
- 83% of undergrads have at least one credit card
- The average credit card balance for college students last year was $2,327
- The median debt increased by 43%.
- If a student charges $2,000 on a card with 18.5% interest, and pays a low minimum monthly payment, it would take over 11 years to pay off the debt and cost an additional $1,934 just in interest -- almost double the cost of the original purchase.
Ovation Law
- 79% of all credit reports contain errors
Kiplinger's Personal Finance
- 69% of Americans own their own home
- Avg. Monthly Mortgage Payment $1,197.00
- 15.8% of monthly income devoted to mortgage, CC debt, and car leases
- 50% of credit card holders use less than 30% of their available credit limit
- 48% of the cardholders have balances less than $1,000.00
- 10% of cardholders carry a balance more than 10,000.00
- 2 out of 10 consumers have had at least one 60-day late, on a credit obligation
- Average household save only 1% of their disposable income annually
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