My wife and I visited my son and daughter in law that live in Houston over the weekend. It was a great trip and we all had fun. On the way to Houston, we passed two different billboards for a company advertising a guaranteed FICO score of 700. I was very skeptical but called a friend of mine who’s helped people restore their credit.
Jerry confirmed what I’d suspected.
- No one can truly guarantee a 700 FICO score if their current score is below 600.
- They may be able to help you reach a 700 if you currently have a 650 score or better
- This improvement is only temporary though if all they’re doing is contesting balances, late payments, etc.
- That reprieve adjusts back to your current score once the bureau confirms the facts.
There’s no instant solution for a better score. To improve your score to a 700 or better takes time and effort. It involves bringing balances down to 30% of your available limit or less, paying on time and showing responsible use of credit.
Do that and you’ll pay lower premiums on your home and car insurance among other rewards!