Christopher Sprague (Perfect Credentials) Services for Real Estate Pros



Christopher Sprague
location_on San Diego, CA — Perfect Credentials
Get to Know Christopher Sprague



What is a Credit Score?


A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. The most common of the credit score standards is the FICO score created by Fair Isaac. The FICO score ranges from 300-850 and is intended as a predictor of whether or not you will be 90 days late on a loan obligation. Fair Isaac uses thousands of credit reports to calibrate the FICO scoring model and is very secretive of the exact formula.


Here is a percentage breakdown of a FICO score:

35% - Payment History 30% - Debt Ratio 15% - Length of Credit History 10% - Types of Credit 10% - Number of Credit Inquiries


When you hire us, we will work on removing negative-inaccurate items from your payment history. We will also show you how to maximize your debt ratio score, even if paying off credit cards is not an option. We can work on removing inaccurate or dated credit inquiries from your credit report as well.


Most people are aware of the three credit reporting agencies: TransUnion, Equifax, and Experian. The average difference in scores between the highest and lowest of your three FICO scores is 60 points. This is the result of each of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with the Law.


According to the Government Accountability Office, 80-90% of credit reports have serious errors on them and this does not even include the more minute errors for which we investigate for our Clients. If we cannot remove at least 25% of the inaccurate credit items from all three of your credit reports, we will refund 100% of your investment.


Never turn down another client with lower credit scores! Provide them a solution to their credit challenges with a company you can trust and put them in your pipeline for 30-45 days to get approved.