Credit 101

Welcome To Baltimore Credit Repair Education For A Lifetime!

Okay, as you may know already from reading prior tabs or from personal experience-your credit matters. It matters and for most people that do not know enough about how it works-they may find themselves suffering in the long run. Credit reports are important pieces of information that lenders, and HR people look at to see the feasibility of you as a storing and resourceful candidate.Baltimore Credit Repair understands that there are complications that arise from a lack of credit repair knowledge-so we put this brief page together to help you.

Sky Credit Repair takes a look at your score and examines the information in your report to make sure that you are getting the accurate information listed on there that you deserve. We create an action plan and help you every step of the way to make sure that you are going to have a successful credit report when we are done.

 Credit Repair 101:Where can I find my credit report?


If you are interested in looking at your own report you are entitled to one free report per year. Remember Baltimore credit repair offers you credit and debt counseling!  All you have to do is go to one of the three reporting agencies and look at their report. After you have filled in all of the information including your DOB, full name and address you will have access to a report. Remember there are two types of scores, the generic an customized.



Credit Repair 101: Credit Scores What They REALLY Are.


Your credit score can be valued at 330-830.

The generic credit score you have is used by lenders and businesses to understand your credit risk. Your risk is then integrated into one score.

Customized credit scores are created by lenders who use these reports with account history to build your portfolio. Each business uses them in their own way and they are unique. Specific lenders use these practices especially mortgage companies.


There are a number of what credit agencies call Factors that can affect your credit score. These include your total debt, the types of accounts that are listed and of course the amount of times you paid late.


You can easily improve your scores and dispute errors  when you contact Sky Credit Repair. We work hard to make sure that all of the information on there is what should be there and then we develop a plan that will take you to the next level.


Did you know?

10% or your credit score includes the amount of times it was viewed  by lenders and other agencies. It’s true-so maintaining an acurate report will get you on the road you need to be on to recover your credit. Also, any outstanding debt you might have is 30% of your score. If you had your utilities shut off at one time and never paid the debt, that will be there. We help you negotiate with the companies to pay at a lower rate and to erase these old and aging accounts off of your score.

 What is Debt Ratio?

This is the amount of credit that you may owe in relation to the credit you have available. This ratio is used to calculate if you are a good candidate for a mortgage and other important factors relating to your credit.


 What now?

Now that you are knowledgeable about your credit score it should be easy to make the next decision. Contact Sky Credit Repair today for a free consultation and be on the road to recovery in no time!