Why Repair Bad Credit History?

african american father and mixed race son in front of sold home for sale real estate sign and new house

Why is it important to address a bad credit situation and clean up your credit? The reasons are numerous. Most people know that а bad credit score affects their ability to obtain prime rates on mortgage loans, car loans, approvals for credit cards and impacts one’s chances of getting approved for leasing an apartment or home. But here is one more…did you know it can also effect whether or not you will be hired for employment?

It is true. Your credit report is being included as part of the hiring process more and more, and it is because your potential employer equates your credit score with how responsible you are. Make sense?

Especially in positions where large amounts of money are involved, like in banks and retail stores, or if you are applying to be а financial officer at а financial institution, you should understand that bad credit can ruin your chances of being considered. The term for this is “reasonable risk” reflected in your credit rating, and it is a reason you may not be hired.

The good news is, there are definite steps to take to repair and restore a bad credit history! We are committed to helping you do this!

We are National Credit Restoration and we are here to help you!


Our Guarantee

Our commitment is to provide the best advice we can and to assist our clients in a one-on-one fashion to both educate them in credit repair and to get them onto the right road to permanently restore their credit. We are not affiliated with any credit bureau, collection agency, law firm, lender or any other company that might get in the way of us helping you.

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Benefits of Good Credit

Per Capital One, good credit may make it easier to:

Buy a Home

african american father and mixed race son in front of sold home for sale real estate sign and new house.When you apply for a home loan, the bank will check your credit report and credit score. If you have decent credit and enough income, you will likely get the loan. But the advantage of having good credit lies in the interest rateyou will be able to get. With good credit, you will have a much wider range of available mortgage offers and banks will be more likely to offer you a low rate if your credit score is good (over 700). Just one or two percentage points in interest can save you tens of thousands of dollars over the life of the loan.

Rent an Apartment or House

When you apply to rent an apartment or home, the landlord will do a credit check. This helps the landlord determine how likely you are to pay your rent on time—based on how well you take care of the rest of your financial life. If you have good credit, you will be more likely to qualify for the apartment or home you really want.

Get a Job

It might seem odd to think that your credit could affect your ability to get a job, but the truth is that more and more employers take your credit into account when deciding whether to hire you. People with good credit tend to be more trustworthy and responsible—and these are qualities employers want. So having good credit can really help you get a better job.

Finance a Car

Miami Credit Repair CompaniesWhen you apply for an auto loan, whether it’s through a bank or dealer financing, the lender will check your credit report and credit score. If you have good credit, you will be able to negotiate for a lower interest rate. Even one or two percentage points on an auto loan can mean a difference of thousands of dollars.

Have Phone or Home Utility Accounts

With good credit, other companies (not just lenders) are likely to provide services to you right away. If your credit is bad, you could find yourself having trouble getting a telephone line, or even getting the electricity turned on.

Make Major Purchases — Appliances or Furniture

With good credit, you can easily qualify for better credit cards and/or lines of credit that will enable to you to make major purchases and pay them back over time.

Borrow Money

Lenders will look at your credit report before they decide whether to loan you money. If you have good credit, you are more likely to not only to get the loan you need, but also to get a better (lower) interest rate and terms.

Obtain a Credit Card

Credit card companies determine whether you qualify for the card you want by looking at your credit history. Having good credit will enable you to have a credit card with a lower interest rate and more benefits — such as, rewards, cash back, and cash advances.


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Additionally, there are many other benefits to raising your credit score:

  • Low interest rates on credit cards and loans. …
  • Better chance for credit card and loan approval. …
  • More negotiating power. …
  • Get approved for higher limits. …
  • Easier approval for rental houses and apartments. …
  • Better car insurance rates. …


Areas We Service

Raise Your Score is the Leading Credit Restoration Company serving the greater Tampa Bay area including: Clearwater, Pinellas County, St. Petersburg, Largo, Dunedin, Tarpon Springs, Palm Harbor, Tampa, Gainesville, West Palm Beach, Lakeland, Cape Coral, Port St. Lucie, Tallahassee, Ft. Meyers, Orlando, Jacksonville & Miami.