Client Testimonials
I just want to thank you for all your hard work. I was very skeptical at first having never heard of someone who would help clear up one's credit file. After being turned down for a home loan I filed for my credit report to see what all was on it. To my dismay there wer...
Q & A - Questions and Answers
On my credit report, what do the letters "R," "I" and "M" and the numbers next to them mean?
"R" refers to a revolving account, "I" refers to an individual account, and "M" refers to a mortgage account. The creditor supplies this rating. It is their rating of you as a borrower. There are only two ratings that are not negative. A rating of "1" is good and a rating of "0" means that they don't have enough history about you to rate you.
Every other rating, "2" through "9" is negative. In our experience, creditors don't look at these ratings when you apply for financing. The creditor usually looks at the late pays or other notations such as "charge off" or "collections." However, any rating but a "1" or "0" indicates that you have problems with the account.
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