Credit Reports

Written By Aaron Sarentino
Feb 27, 2018


A Credit Report is a detailed report of credit history that is gathered by three credit bureaus; Transunion, Equifax, and Experian. Things like personal loans, mortgages, credit cards, medical bills and car payments are some of the things that can be on your credit report. Lenders look at your credit report to determine your creditworthiness, your credit report carries a lot of weight. They affect nearly every aspect of your life and certainly affect how lenders, potential jobs, auto insurers and business partners will view you. 

What Credit Reports Are Not

Credit reports do not include your income, marital status, assets, age or location. They are also not permanent, after seven years your report will knock off accounts that are seven years old. You can also always improve your credit, whether it is by taking out a loan to pay everything off or starting to pay your bills on time. Using a credit monitoring service, like Credit 9 is going to help you stay on top of your report and make sure you are doing everything you can to maintain a high score. 

How To Get A Copy Of Your Credit Report

By signing up with Credit 9 you will get a free copy of your credit score. We will pull a soft copy, meaning it will not affect your credit in anyway. You will also get a breakdown of what is hurting your credit, this will show you exactly what you need to working on to bring up your score. You can login whenever you would like and see you credit report, we will also be alerting you of any fraud we find.

What The Numbers Mean

Your credit score is calculated on a formula based on open credit card utilization, on-time payments, accounts in collections, bankruptcies, foreclosures, liens, age of credit lines, total amount of accounts and hard credit inquiries. All of these things determine what score you credit is at. Having a great credit score makes it easier for you to get a loan, and you end up paying less money in interest. 

Make Credit Reports Work For You

Monitoring your credit is very important, any errors on it needs to be reported to the credit bureaus as it can dramatically hurt your score. It is illegal for a credit bureau to report inaccurate information. Using a credit monitoring service like Credit 9 makes it simple for you to take control of your credit report.

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Americor provides debt solutions to thousands individuals and families all over the country. We’re a next-generation debt relief company with a proprietary platform designed to help clients get out of debt quickly. Together we’ll develop a strategy for you to enjoy a debt free lifestyle. Learn more about how Americor can help relieve the burdens of debt today.

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Address:
18200 Von Karman Ave, 6th Floor Irvine, CA 92612
New Clients:
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Phone:
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We provide debt resolution services. Our clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 15%-25% of your enrolled debt. Programs range from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all Clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Our program is not available in all states; fees may vary by state. Some programs may be offered through The Law Firm of Higbee & Associates d/b/a Advantage Law. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. To determine the offers you may be eligible for, Americor conducts a “soft credit pull.” This credit pull does not impact your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, it does not report against your score and will only take a few minutes.

Americor Funding, LLC (18200 Von Karman Ave, 6th Floor Irvine, CA 92612) is fully accredited by the Better Business Bureau (BBB), the American Fair Credit Council (AFCC), and the International Association of Professional Debt Arbitrators (IAPDA). CA Department of Financial Protection and Innovation (DFPI) License # 603K913.

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