Top Fico - Credit Counsel & Repair Company

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About TopFico TopFico is a credit counsel and
repair company. First and foremost we believe
bad credit can be due to several different
reasons. Our goal is to determine why you are
where you are first, then to help you our client
to be able to move forward and upward credit
wise. We believe by educating our customers and
by having a credit plan in place not only now but
down the road our clients can benefit from our
services and resources of knowledge. Many people
are unclear about why they need to restore their
credit rating. As professionals, we take care of
this for you, getting you back on track beginning
today. Restoring your credit rating is essential
for those individuals who are negatively impacted
by a poor credit history.
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About TopFico Creditors believe that the
information contained in your credit file is a
good indication of your credit worthiness, since
how you have paid other creditors in the past is
an indication of how you may act in the
future. If your score reflects poorly, it may be
difficult to use your credit. This will not turn
around if you do nothing and do not get some
help. The fact that you are reading this tells
me that you are serious about taking control of
your credit report. Credit repair is the first
and best step you can take to ensure the strength
of your credit.
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How we differ?   There are many credit repair
companies out there and most do not educate
counsel their clients. They generally only try to
delete negative items on your credit report.
Thats the easy part! That is why there are so
many of these companies around. The real
challenge is to show clients the proper steps so
can they can continue on this road of progress to
always be improving their credit score. That is
what we do. Not for only the now but for the
tomorrow also. So we not only help you in
removing negative marks on your credit report but
we educate you in improving your credit as well.
So you can have your credit working for you. By
educating yourself now about how the credit
system works you are arming yourself financially.
You will be able to save thousands of dollars in
interest during  your lifetime by having good
credit and maintaining a good credit score.
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How we differ?   Our company also works with
people on Chex systems. If you are on Chex
systems and do not have a checking account we can
help you find a credit union in your area so you
can get a checking account. Our credit repair
programs are affordable and we provide superior
service. Please contact us and we would be happy
to provide you with more details. You can begin
boosting your credit score today. Heres how the
credit system works The credit system decides
who gets credit and why. The three large credit
bureaus have each adopted a ranking or scoring
system called a FICO score, by which, you can
receive a numerical evaluation of your present
credit condition. This is meant to approximate
the score you would receive from a lender such as
a bank. The score is compiled directly from the
positive and negative factors found in your
credit report
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How we differ? The credit score is divided into
five categories and breaks down as follows  
Your credit history 35 Amount currently
owed30 Length of your credit history15
Type of credit you use10 New credit
obtained10  
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How we differ? Equifax uses a scoring system
which ranges between 300 and 850, Transunions
system ranges between 150 and 934 and Experians
system ranges from 340 to 820.   For example,
under the Experian system a score of   340-600
highest possible risk to lender 601-660
medium-high risk 661-720 medium risk 721-780
medium-low risk 781-820 low risk  
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How we differ? When you receive your numerical
credit-score, you will also receive a national
percentile ranking. This number reflects the
percentage of the US population with scores
higher or lower than yours. For example, under
the Experian system, a credit score of 800 puts
you into the 92 percentile. This means that
only 8 of the population had a higher credit
score than you while 92 of the population had a
lower credit score than you. Higher scores mean
lower delinquency rates. This is the rate at
which 100 borrowers in a specific range will
default on a loan, declare bankruptcy, or fall 90
days behind on their payments. Thus, a
delinquency rate of 50 means that out of 100
borrowers 50 will commit one of the above.
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How we differ? If you simply wait, you can watch
your credit improve over several years. You dont
have to wait. We know you need your credit now.
We all do. We can offer an alternative to waiting
and can get you back on track now. We need our
credit for just about everything and were
punished for not having an elite score. Weve
been very successful with what we do and we make
it affordable to get back on track now.   For
free hints and tips please read our blog. Print
off our free dispute letter to start your own
dispute process. Whether we help you or you help
yourself. Bad credit is not going to get you
anywhere in a bad economy or good economy good
credit is the only solution.   Good credit will
get you better interest on a home loan,
automobile, good credit will help you achieve all
the better things in life at a more reasonable
payoff and cheaper payments.
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Contact us Top Fico Phone [phone]
Fax [phone] Mobile [phone]
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Thank You
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