Your credit score is not set in stone. Instead, it is subject to five different criteria, which are constantly changing and frequently evaluated. Credit scores are determined by hundreds of different mathematical rules. Because of this, the 3 major credit bureaus (Experian, Equifax, & Transunion) report different credit scores. While we understand these rules, the credit bureaus understand them better. That’s why we rely on a program that these bureaus offer, called Credit Xpert.

We use Credit Xpert to see if a credit score can be improved and how.  Often times, the solution to a higher score is a matter of paying down a single account. While Credit Xpert offers no guarantees, we have seen credit score increase as much as 50 points!