A credit score is a numerical representation of your creditworthiness, typically ranging from 300 to 850.
FAQs (Frequently Asked Questions)
Divino will protect the personal information and ensure that it can’t misused
Key factors include payment history, credit utilization, length of credit history, types of credit used, and recent credit inquiries.
Potential items include late payments, collections, charge-offs, bankruptcies, repossessions, and inaccurate personal information.
It’s recommended to check your credit report at least once a year from each of the three major bureaus.
Look for inaccuracies, unfamiliar accounts, late payments, high credit balances, and any negative items that may impact your score.
Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) allows individuals to dispute inaccurate information on their credit reports.
You can start by scheduling a free consultation through our website or by contacting us directly via phone or email.
Create a budget, prioritize paying off high-interest debts, consider debt consolidation, and seek professional advice for debt management strategies.
Late payments can significantly lower your credit score and remain on your credit report for up to seven years.
Bankruptcy is a public record however it can be removed from your credit report.