Tier One Premier

We understand that the banks will often turn down those who are most in need – all because of a bad credit score they were unaware of.

To make it even worse, this negative credit score may not even be their fault.

That's why at [insert custom variable], we have committed ourselves to helping anyone and everyone who needs to repair their credit – for whatever reason.

Because in the face of unjust bureaucracy, we all must have the courage to stand up as a community and take our share of the wealth.

So go out and start that small business – and if you are struggling to get a loan, give us a call.

We’ll bump up those numbers and help you to take control of your financial life!

Want an easy way to improve your credit score?

Use your credit! – It seems simple, but here’s a hot tip:

Using a variety of different types of credit will help you appear more capable of handling your finances. So whether you use a few credit cards, take out a business/auto loan, or pay towards a mortgage – the more you can use together, the higher your credit score will be!

So make your payments on time and watch that credit score climb!

Nobody likes being rejected.
Especially for the important things, like a mortgage or business loan.
Thankfully, the bank won’t make their decision based on your haircut or how much you can make them laugh…
They will decide by taking a look at your credit score.
If only my ex could see my credit report, maybe I wouldn’t have to fix my hair….

Way back in the 1800’s, the first credit bureaus started to emerge in North America. As a result of modern mass consumerism, many businesses were in need of a system to determine whether a potential recipient for a loan could be trusted to pay it back.

However, the system they developed was far from perfect. Bureaus would take note of race, neighborhood, income, and employment status, all in a futile attempt to determine a person's “morals”.

Then, there was FICO.

In the 1950’s, Two men got together and decided it was time to create a standardized, quantitative approach to determining someone's lendability – one that would eliminate the prejudice that was on display in the old system.

These two men were Bill Fair and Earl Isaac.

By the 1970s, most lending institutions were using their credit scoring system.

Finally, in 1989 the FICO system made its official debut – and has since become the industry standard. Based on the original credit scoring system developed by Fair and Isaac, it is now used by lenders all around North America to determine a person's ability to repay their loans.

Thanks Bill Fair and Earl Isaac for helping to dismantle the unfair practices of the past!

If you have any questions about the FICO system and how it affects you, feel free to drop us a comment or give us a call!