Personal Credit

Finance Fitness GYM credit repair Brooklyn, NY

Personal Credit Repair

Even the most financially prudent people can end up with negative marks on their credit reports, and this can seriously impact your ability to raise capital for your business, get a mortgage, or even open up a line of credit.  If you have been unable to get a loan due to bad credit, Finance Fitness GYM can help you out with our credit repair program.

How It Works

The Fair Credit Reporting Act requires credit bureaus to remove marks from credit reports that have been deemed inaccurate, and also requires them to investigate any marks that could be considered suspicious or erroneous.  If those marks are deemed inaccurate, or if there’s not enough evidence to suggest that you deserve that mark, they have to be removed from your credit report.

We work on your behalf to get those marks from your credit report removed, and that in turn boosts your credit score.  After we dispute the negative marks from your report, we educate you on how to keep your credit as pristine as possible in the future.

We can remove the following negative items from your credit reports:

angry businesswoman with phone at office

  • Inquiries
  • Late Payments
  • Charge Offs
  • Collections
  • Tax Liens
  • Judgments
  • Closed Accounts
  • Bankruptcies
  • Foreclosures
  • Repossessions
  • Student Loans
  • Negative Settlements
  • Removal of “In Dispute”


There is no fine print and it’s very simple – we will give you $1,000.00 plus a full refund if we are unable to improve your credit score within 6 months.  We are so confident in our work that we offer this guarantee.  We only ask that you do not add any new negative information to your credit reports from the date that we begin working on your file.  We’ve never had to pay this to anyone – but our clients are happy to know that we take our work seriously and that this guarantee is available to them.

Included in our services, you will receive the following:

(1) Assist client in obtaining their credit reports from all three credit reporting agencies – Equifax, Experian and Trans Union

(2) Comprehensive review and analysis of client’s credit bureau reports;

(3) Comprehensive review and analysis of client’s collection letters and recorded voicemails, if any;

(4) 1 hour telephone consultation with client;

(5) Preparation of analysis with strategy for resolution of negative items being reported on client’s credit bureau reports;

(6) Add all telephone numbers to “Do Not Call List”;

(7) Set up clients with their online private client site which will allow client to check progress of their account;

(8) Provide client with credit education materials to the online private client site periodically for client review;

(9) Follow up 30 minute telephone consultation;

(10) Assist client with adding up to 10 healthy new items to their credit reports.

Why You’ll Love This Service!

  • Our credit repair services free up more of your time, and can even get better results. While you can dispute credit errors on your own, it takes a lot of time, patience, and attention to detail to do it correctly.  Most people do not want to have to do this, and often make crucial mistakes that prevent them from getting the marks removed.  We have the experience and work ethic needed to get rid of bad marks on your credit score.
  • Having good credit can lower your bills. Refinancing is much easier, and much more possible when you have good credit.  You can get your credit score ready for loan applications, tenancy applications, and more.  In most cases, a score of 620 is the bare minimum needed for major loans, lines of credit, and tenancy applications.  We can help you reach that goal.
  • We can deliver results in as little as 45 days. A single mark removed from your credit report can have a credit score boost of as much as 60 points.

Please also be sure to read our FAQ page concerning Personal Credit Repair for additional information.

Ready to get started?

Give us a call to 833-FINANCE, shoot us an email to, come over and visit us for coffee, or fill out the contact form.

Factors Affecting Your Credit Score

Credit scores are produced with a computer model, usually created by Fair Isaac (“FICO”). Although FICO won’t reveal exactly how it determines a credit score, it considers the following factors (the approximate weight it assigns to each factor is in parentheses).

Payment history (35%)
Your score is negatively affected if you have paid bills late, had an account sent to collection, or declared bankruptcy.
The more recent the problem, the lower your score.

Outstanding debt (30%)
If the amount you owe is close to your credit limit, that is likely to have a negative effect on your score.
Also, if you carry a balance on a number of accounts, that might lower your score because it looks like you’re overextended.

Length of your credit history (15%)
The longer your accounts have been open, the better.

New credit (10%)
If you have recently applied for many new accounts, that may negatively affect your score. (Promotional inquiries don’t count.)

Types of credit in use (10%)
FICO says it’s looking for a “healthy mix” of different types of credit, both revolving and installment accounts.
This factor is important only if there isn’t a lot of other information to use in determining your score.

Although this is a good guide as to what credit scoring companies deem important, keep in mind that some companies may consider different factors.

What The Numbers Mean

Credit scores range from 300 to 900. According to FICO, the average score is 692. According to the model, as your score increases, your risk of default decreases.
If your score is far below average, you may have a hard time convincing a creditor to make you an affordable loan (or any loan at all). But just as your credit history can vary from credit bureau to credit bureau, so can your credit scores. It is possible to have a fairly high score with one credit bureau (Equifax, Experian, or Trans Union) and a somewhat lower score with another, just as you might have a clean credit history with one bureau and a muddied record with another.

How To Get Your Credit Score

You may obtain your credit score from credit bureaus that develop or distribute credit scores for a fee (the Federal Trade Commission sets the fee). Fair Isaac, in partnership with Equifax (one of the “big three” credit bureaus), makes credit scores available online to consumers for a fee of $15.95. To get your credit score, visit or
The bureau must provide:

Your score

  •   The range of possible scores under the scoring model used.
  •   Four key factors that affected the score.
  •   The date on which the score was created.
  •   The name of the entity that provided the score (such as Fair Isaac).
  •   Don’t get new credit cards that you don’t need just to increase the credit available to you.

Be aware, however, the score and the scoring model that you receive may be different than those your lender uses.
Your credit score may also be available free from certain lenders. For example, Washington Mutual provides free monthly credit scores online to its credit card customers.

How to Improve Your Credit Score

If you want to improve your credit score, Fair Isaac offers these tips:

  •   Pay your bills on time.
  •  Make up missed payments and keep all your payments current.
  • Maintain low balances on credit cards and other “revolving debt.”
  • Pay off debt rather than transferring it to a new account.
  • Don’t close unused credit card accounts just to raise your credit score.

Don’t get new credit cards that you don’t need just to increase the credit available to you.

Finally, don’t give up hope just because you have a low score. If you think there are mistakes on your credit report, you can get a copy of the report, fix the problem, and explain the situation to the lender. Some lenders may override credit scores if they think you are a good risk despite problems with your score.

For more information on repairing your credit record and improving your credit score feel free to contact us.



Let Us Help You!



Finance Fitness GYM credit repair Brooklyn, NY
Finance Fitness GYM credit repair Brooklyn, NY
Finance Fitness GYM credit repair Brooklyn, NY
Finance Fitness GYM credit repair Brooklyn, NY