Credit Score

Your credit score is determined by use of a very complex algorithm applying weighted values to many data factors. Very important is length of your credit history, the number and types of accounts you have on record, how much is owed compared to your total credit line, and how timely payments have been made.

For years, the FICOŽ scoring model from Fair, Isaac & Co. has served as the standard in credit risk scoring. The three major credit repositories are cooperating in development of an innovative consumer credit scoring model, called VantageScoreSM , that may ultimately replace the FICOŽ scoring model.

You, the consumer, can improve your credit score by disputing credit report records on your own, provided you know the protocol. Over time, with the practice of responsible money management, you can further improve your credit score.

If you don't have time, or don't know where to start, contact the professionals at RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report. This will improve your credit score.

We realize that all things being equal, you'll do business with those you know, like and trust. We have built our business one relationship at a time. Get to know us. You'll like us and you'll trust us. Contact the professional repair credit specialists at RMCN Credit Services today.

Additional information is located on these pages:

• Getting Bad Credit Loans - How credit scores affect credit loans
• Bad Credit Loans - You can improve your score, and your odds getting better credit terms
• Does Enough Good Credit Offset Any Bad Credit? - Many factors come into play in determining your credit score.

RMCN Credit Services

1611 Wilmeth Road, Suite B

McKinney TX 75069