Credit Repair Farmington, NM. Scoreology Credit Repair. FMNT

Proven, Effective, and Complete Credit Repair in Farmington

For years, Scoreology has been refining, testing, and perfecting the science of credit repair, ensuring you, our client is always on top of your credit game.

Your One-Stop Shop for Credit Repair in Farmington

Scoreology Farmington credit repair is dedicated to helping you understand credit, and subsequently, how to improve your credit picture.  Your credit score is made up of many different factors, all equally important, and each of these factors contributes in deciding your credit score.

We Have Your Credit Answers

It is our belief that every consumer should know all of the facts. As a matter of fact, we will tell you the truth even if you don’t become our client. Overall, our goal is for you to know everything we do about credit and credit repair. It’s important to realize that sometimes credit repair isn’t your best option. For this reason, we’ll always let you know your best options.

Common Questions

Scroll through questions we commonly get asked

Choosing the wrong credit repair company may put you in harm’s way, choose a credit repair company who cares as much about your credit as you do.

Negative accounts and collections can appear out of nowhere during mortgage preparation. Call us before you go to the mortgage broker to learn about your options.

Dispute comments can stop a mortgage cold. Therefore, let us help you understand dispute comments, what they do, and how they can hurt you.

Afraid of credit cards?

 On the positive side, we’ll help you understand how they help your credit score. That is to say, how to lose the fear of credit cards if you want stellar credit.

Think short-term loans help your credit? In fact they may hurt it! With this in mind, let’s work together to find a better way to improve your score.

Collection triggers?

What in the world is that?

 

“Want to save 20% on your purchase today?” We’ve all heard this at a retail shop once or twice, learn about what’s actually going on here… spoiler alert: don’t do it!
Why do I need an active, paid credit monitoring service during this process? Can’t I just use the free one I already have?
Why are my scores different?

What is a FICO score?  Please explain why there are more 20 different types of FICO scores?

I have a collection account that is reporting an open date, however it is not accurate.

I have heard that collection accounts can be removed but then they show back up.

Specifically, under what circumstances should I settle an account?

My lender advised me that if I paid my collection account all would be fixed. However, once I did my scores dropped significantly.

The auto dealership said I can refinance in 6 months. However, they are they ignoring me now and it’s been 12 months!

My mortgage broker said I need a 620 median score but the loan still won’t close. I am a 620, and by the way what is a median score?

What is a debt validation letter? Will I receive any of these? And finally, what should I do when I do receive one?

Have a different question?

Common Questions

  • Choosing the wrong credit repair company may put you in harm’s way, choose a credit repair company who cares as much about your credit as you do.
  • Negative accounts and collections can appear out of nowhere during mortgage preparation. Call us before you go to the mortgage broker to learn about your options.
  • Dispute comments can stop a mortgage cold. Let us help you understand dispute comments, what they do, and how they can hurt you.
More
  • Afraid of credit cards? We’ll help you understand how they help your credit score, and how to lose the fear of credit cards if you want stellar credit.

  • Think short-term loans help your credit? In fact they may hurt it! Let’s work together to find a better way to improve your score.
  • Collection triggers? What in the world is that?
  • “Want to save 20% on your purchase today?” We’ve all heard this at a retail shop once or twice, learn about what’s actually going on here… spoiler alert: don’t do it!
  • Why do I need an active, paid credit monitoring service during this process? Can’t I just use the free one I already have?
  • Why are my scores different?

  • What is a FICO score? Why are there are over 20 different types of FICO scores?
  • I have a collection account that is reporting an open date than is not accurate.
  • I have heard that collection accounts can be removed and then they show back up.
  • Should I settle an account?
  • My lender advised me to pay my collection account all would be fixed but my scores dropped significantly.
  • The auto dealership said I can refinance in 6 months. Why are they ignoring me now it’s been 12 months!

  • My mortgage broker said I need a 620 median score but the loan still won’t close I am a 620, and by the way what is a median score?
  • What is a debt validation letter? Will I receive any of these? What should I do when I do receive one?

Have a different question?

AGE OF ACOUNTS

The length of time you’ve had accounts on your credit report will affect whether or not lenders will be comfortable giving you a loan, therefore, this number also affects your score.

INQUIRIES

Whenever a bank or lender checks your credit, this counts as an inquiry. As a result, too many of these could negatively affect your credit score. There are two types of inquiry: a “Hard Pull” and a “Soft Pull” and consequently both affect your score in different ways.

PAYMENT HISTORY

Payment history makes a huge part of your credit score. To clarify, having many missed or late payments could negatively impact your credit score for years.

CREDIT USAGE

Your credit utilization rate is the second most important factor when it comes to determining your credit score. To emphasize, having a utilization rate over 30% could decrease your credit score.

COLLECTIONS

Collections and other “derogatory marks” can stay on your credit report for up to 10 years. By the same token, these types of accounts will negatively affect your credit score and could prevent you from achieving your goals.

JUDGEMENTS

If you’ve lost a civil lawsuit that requires you to pay debt or damages, it can appear on your credit reports. In particular, these types of judgements can also cost you money directly from your paycheck.

Get a Free Consultation

We’re happy to help you achieve your credit goals, regardless of what your reason for credit improvement is. Contact us today for your free, one-on-one consultation.

Our Reviews

Aaron-Ann D.

February 1, 2019

I was unsure of which credit repair company to hire. I was feeling pretty hopeless about my credit standing. After speaking with Daniel, he reassured me that my profile was workable and that all Hope wasn’t lost. After an in depth consultation I felt there was light at the end of the tunnel and relieved! […]

Highland, CA

David T.

January 31, 2019

I picked Scoreology because they seemed to have a methodical process to remove negative items from my credit report. I used their service for a year, and they were very professional. They were very consistent in sending rounds of letters to all the companies and going getting items removed. I was more involved in sending […]

Orlando, FL

Tamara S.

January 30, 2019

Such a great deal!!! Other companies wanted to charge me so much more… I was so happy that I chose Scoreology because they have been so easy to get in contact with, and kept me posted on EVERY activity that was going on. Because of them, my score was able to increase by 40 points […]

Courtney M.

January 25, 2019

I have much gratitude for EJ and the team. He came up with solutions with some credit reporting issues we had and got our reports cleaned up in record time to buy a house. I would highly recommend Scoreology and EJ to anyone looking to go on the journey of credit repair.  You must have […]

Austin, TX

Why Choose Us?

Scoreology Farmington credit repair has been repairing consumer credit for over 7 years. In addition, we have a proven track record of helping folks just like you to improve their credit standing. With that in mind, we would love to speak with you and learn about your specific situation.  As a result, we would then advise you on how we may be able to help.

Blogs

Check out our extensive blog for answers to your credit repair questions and so much more! Or give us a call! We’ll be happy to explain our scientific approach to credit repair, plus it’s faster and easier to reach out to us than do all research on your own.

 Reviews

 If you believe in reviews we have a few hundred that you can take a peek at, and we believe you’ll see that we do, in fact, know what we are doing. We’re honest and ultimately, you, our client, is very important to us!

Contact Us

Give us a call or send us a message! There’s no consultation fee and no pressure.  Accordingly, we’ll strive to answer any of your credit repair questions in terms you’ll understand. In the final analysis, this call could save you a lot of aggravation, time and money. Let us prove it!

 

We’re Available Monday-Friday

Farmington, give us a call for your credit repair needs and options! Indeed, we offer no-pressure insights into how we can help you improve your credit profile.

Call Us Anytime: 505.327.9225

116 N. Wall Ave. Farmington, NM 87401

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