Silicon Valley Credit Repair

Your credit is our priority!


What does my FICO Score affect?

A better question would be: what doesn't it affect? The interest rates on house payments, car payments, mortgages and loans are just some of the things your FICO Score affects. With bad credit, it can be virtually impossible to obtain an unsecured credit card and anything you may be approved for will generally have higher rates and/or lower limits. 

Take a look at the credit score chart below:

What is my credit score based on?

35%—Record of both timely and untimely payments.
30%—The amounts and types of outstanding debt.
15%—The time since an account has been opened.
10%—Number of recently opened accounts and recent inquiries.
10%—Number and types of accounts such as credit cards, retail, etc.

What exactly is a FICO Score?

Your FICO Score is a number between approximately 300 and 850. It is based on the statistics of a person's credit report to represent their "credit-worthiness" (meaning the likelihood that the consumer will pay off his or her debts). The information is cross-referenced from the three major credit reporting agencies and analyzed by the FICO System to give it a simple, numerical score.

Lenders, such as banks and credit card companies, look at your FICO Score to evaluate the potential risk posed by lending you money. Using credit scores, lenders determine who qualifies for a loan, at what interest rate, and at how high of a credit limit.

How does my credit score affect my cost of living?

When compared with the factors that go along with having a low FICO score, such as high interest rates, low credit limits and overall difficulty getting approved for anything, it isn't a question of whether or not you can afford it. Read through this page and then ask yourself how you can afford to go without it.

Do you guarantee removals?

The law prohibits any company from guaranteeing the removal of items on your report, but we offer a free evaluation of your credit reports before you commit to our service.

What's your experience in credit repair?

Silicon Valley Credit Repair has an expert staff that has been challenging credit reporting agencies on our clients' behalf for over 16 years. Using a variety of lawyers, accountants and other repair specialists, Silicon Valley Credit Repair has practically redefined the words "credit repair." We employ creative, personalized solutions while following all of the laws and regulations in regard to the credit reporting industry.

How long does the process normally take?

On average, results can be seen on your credit report within 45 days of the start of our service. Although we put a lot of effort into sending out our disputes as quickly as possible, most of this time is spent waiting for the CRA's to respond. As an example, someone with 10 trade lines to dispute on each credit report can take anywhere between three and four months to be considered a "prime" score.

What precautions should I take?

It's always a good idea to know who you're working with. If you select a company that isn't very familiar with consumer laws and regulations, you could end up in a worse situation than when you started. And with the sensitivity of the information being processed, you should always be sure that those you select to handle it can be trusted. If you are unsure of an organizations methods, it's always a good idea to verify the information with the source. We have provided some official publications below that give an overview of how FICO scores work.




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7660 Monterey Street, Suite 202
Gilroy, CA | 95020

Monday—Friday | 9am-5pm (PST)

To schedule an appointment or have any question, call us at
408.337.8620 | 1.888.720.9878


© 2016 Silicon Valley Credit Repair