How This Works

You have rights. We know them. Repairing credit is a reality.

What is a Credit Score?

A credit score is a three-digit number ranging from 300 to 850. It is generated by the FICO scoring model using the information in your credit report. This report about you is used to predict your credit risk and worthiness. Lenders often look to do the best business with those having a higher credit score, a higher score means less risk. The higher your score is, the greater the ability you have to get a loan for the house or car of your dreams. LET THE CREDIT MEDICS 360 TEAM HELP YOU. You can even apply for lines of credit for other means such as starting a business or being a support for the ones closest to you in their endeavors that they may want to pursue.

A Higher Credit Score

A higher credit score gives you the ability to have a low interest rate when you borrow. This means you will pay less money over time. The lower your score is, the less likely you are to get a loan. Even if you do get a loan with a lower credit score, you will end up paying out more money over time than someone with a high credit score who gets a loan for the exact same thing that you did.  The information from your credit report goes into five major categories that make up your credit score, or FICO score. This scoring model weighs your payment history, the amount of debt you owe, the length of your credit history, the number of credit inquiries and the types of credit.

Information that cannot be in a credit report:

The current US law known as the Consumer Credit Protection Act prohibits credit scoring from using these facts:

  • Your age, race, color, religion, national origin, sex and marital status.
  • Any interest rate being charged on a particular credit card or other account.
  • Requests you have made to check your credit report
  • Requests made by lenders in order to make you “pre-approved” credit offers
  • Requests made by lenders or employers to review your account with them
  • Whether or not you are participating in a credit counseling program of any kind.


CreditMedics360, Makes It Easy for You

Let us help you and your family’s credit situation quickly & easily.  Our experience allows us to save you time, money, and mass amounts of confusion. Helping our clients repair, and improve their credit is our #1 goal.



With CreditMedics360 we aim to deliver fast results with seamless process. You have rights, & we want to help you use them. Let us help you bring life back to your credit situation. Sign Up for your FREE CREDIT EVALUATION.