Muniz Financial Solutions LLC

Can you get me to an 800+ score? NO. Reality is we can’t. Credit card utilization is at 49% in this case with high credit limits.

Here’s what WE CAN do: We can help with cleaning up your credit profile but it is YOUR responsibility to help build positive credit.

How do YOU do this? You can do this by avoiding future collections, charge offs, late payments, keeping low utilization, etc. Yes, sometimes getting things removed from your report will increase your score but more often than not it will decrease it. A lot of the time collection accounts are those that hold the most credit history so, removing them means the average credit history will decrease. Everyone’s credit profile is different. Some have more history than others so scores will always vary. We’re excited that this client stuck through and finished the program! Who’s next? Schedule your FREE consultation today!