Why fix my credit rating
Benefits of credit repair include improving your credit score, increasing financial opportunities, qualifying for better loan terms and interest rates, and reducing stress and anxiety associated with debt and bad credit. Overall, credit repair can help you achieve financial stability and provide you with greater opportunities for the future.
Why fix your credit?

Let's get your credit score on track

Can't get a loan or credit card?

We provide credit repair solutions

    Credit Genie eradicates black marks, wrongfully listed or unlawful defaults, and court judgments from your credit file. We facilitate reliable credit repair solutions so that you can reclaim financial flexibility.

    Our priority is to repair your credit score so you have access to the financing you need and deserve. Take control today with Credit Genie!

    Why fix my credit rating?

    Your credit rating is a crucial component of your financial profile. It reflects your creditworthiness and can significantly impact your ability to obtain loans, credit cards, and other financial products. Having a poor credit rating can make it difficult to secure loans or credit, and you may be subjected to higher interest rates or unfavourable terms.

    By fixing your credit rating, you can enjoy a host of benefits that can help improve your overall financial situation.

    Restore your financial freedom

    Credit repair can restore financial freedom by improving one’s credit rating. When an individual has a poor credit rating, it can limit their ability to access credit and financial opportunities. This can result in difficulty obtaining loans, credit cards, mortgages, or even renting a home.

    Credit repair services can help remove negative items from a credit report, such as late payments, defaults, and bankruptcies. By removing these negative items, an individual’s credit rating can improve, and they may become eligible for more financial opportunities with better terms and conditions.

    This increased financial flexibility can help individuals achieve their financial goals, such as purchasing a home, starting a business, or even saving for retirement. With better credit, individuals can access lower interest rates and better loan terms, which can save them money in the long run.

    Negative effects of a bad credit score

    Higher insurance premiums

    Higher insurance premiums

    Difficulty obtaining a loann

    Difficulty obtaining a loann

    Higher interest rates

    Higher interest rates

    Restrictive terms on loans

    Restrictive terms on loans

    Trouble with phone plans

    Trouble with phone plans

    The issue with utility accounts

    The issue with utility accounts

    The comparison between loan options for bad and good credit

    Lender: borrower has to use a non-conforming lender due to the default

    Loan amount: $250,000

    Loan term: 25 years

    Lender: borrower has to use a non-conforming lender due to the default

    Loan amount: $250,000

    Loan term: 25 years

    % Interest rate: 12% (due to the default)
    % Interest rate: 12% (due to the default)

    That's a saving of $867.00 every month or a whopping $10,404.00 per year.

    Don’t let that credit issue stop you from getting ahead of life, now is the time to act. Take your first steps towards restoring your credit rating and improving your credit score.

    *Above are examples only, actual interest rates and terms may differ.

    Move on the effects of your credit rating

    What is a credit check?

    A credit check is a process used by lenders and financial institutions to assess an individual’s creditworthiness before offering credit or lending money. It involves

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