Houston Credit Repair



If you are need of a Houston credit repair firm, we recommend working with the best company in the US, Sky Blue Credit.   With a A+ BBB rating and over 20 years in business, they are the best in this business and you can count on them to help you.  Credit repair doesn’t have to be overwhelming or complicated.  It’s simply a phone call away where they will provide a free consultation to let you know if it is a good fit.

Why Should You Consider Your Credit Score?

Are you  someone whom dreams of enjoying your retirement?  You know, the day when you can finally sit back and relax, without having to worry about making ends meet. Most people yearn to have that kind of a retirement, but, the question is, are you doing enough to make sure your retirement is as secure as possible?


The financial security aspect of retirement depends heavily on your present credit score. It isn’t a fun topic but it is so important to discuss.   The fact is that credit scores are a very important part of your present and future financial well-being if you want low interest rate credit and loans.


Here are a few things that could impact your credit score and in turn, ruin your dreams of a peaceful retirement.


High Level of Debt

Debt is one of the biggest enemies of a good credit score. There is something called a credit utilization ratio which is defined as the ratio between the amount of debt you have and the amount of credit limit you still have. This ratio accounts for 30% of your overall credit score.


Debt is a problem because it practically takes away your hard earned money due to high fees and interest. The sad thing is most people are paying off debts for things that they don’t even need in the first place. This is one of the worst financial habits to indulge in.


Reducing debt boosts your credit score and brings in more cash for your retirement. Plus, it improves your credit worthiness, which makes you eligible for the most important loans such as investing in a home.


Not Having a Financial Plan

Another way to boost your credit score is by having a solid financial plan or budget. Each person has their own unique requirements and there is no single financial solution. A personal financial plan allows you to manage your money and improve your credit score.


For instance, the first part of your plan could involve you paying your bills on time. Unpaid or delayed bills are also a major problem for your credit score.


The other part of your financial plan should be to eliminate debt, which is something we already discussed. Eliminating debt is hard, but not as hard as it’s made out to be. The Federal Reserve states that the average credit card debt for retirees is $2,200, which isn’t too big an amount. All you need to do is cut down on unnecessary expenses such as expensive dining or luxury purchases and simplify.  It may take some adjusting but living simply can be just as enjoyable.


Simple steps such as these will help you boost your credit score and allow you to have enough money saved up for retirement.  Financial freedom is more than just having great credit.  It’s a lifestyle choice that will bring more peace and less stress.


What If My Credit Scores are Already in Bad Shape?

If your credit scores are in bad shape, all is not lost. You can still fix things. Credit scores can even go down when there are disputable items on your credit report. Erroneous entries such as these can be cleared using what is known as credit repair.


If you need credit repair in Houston, there three companies that we recommend that specialize in this area. All you need to do is call and share your credit score problems so they can review with you if they will be able to help.