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What will my #creditscores be after credit repair? Credit Scores Explained after repair #gizzycredit

2,013 views · Published 23 August 2018 · 8:20 · Indexed 4 November 2026

Channel: #GizzyCredit · 2018 · Education

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Where will my credit scores be at after credit repair? Everyone Wants to Know This #gizzycredit Do you want a Free Credit Repair Quote? Text me your email address to 973-440-8661 or email me to [email protected] and Ill send you my info. 

We give out #creditrepairquote everyday here at #gizzycreditteam if you want to know where to see them, just follow me on Instagram @gizzycredit and you'll see that we work everyday. 

So, the big question always is What Will My Credit Scores be after credit repair?  Where will they be? Will they be at 730+ fico scores? Will I have No Scores? Will I need Tradelines after credit repair? ...or the big misconception, "just remove the negatives and I"ll be at over 700 credit scores" ...NOT!!! 

There are soo many myths to credit scoring when it can be explained in simple terms. 

Remember, your credit scores are always based on what you are currently paying on at the moment or have paid off in the last3-5yrs! Also, remember that just because you paid off accounts 9 or 10 yrs ago and you haven't been paying on anything else since then, you may not create a credit score. Why?! Well, just like negative accounts have a limit of when they will stop reporting on your file (usually 7rys 6 months to the last date reported), positive accounts have the same effect, they stop being recognized as something valid that you paid. What keeps credit scores active is the open accounts you are actively paying on right now. 

Many of these accounts are Revolving account, accounts with a limit to a balance that will fluctuate and you are solely responsible for. The accounts that will always close out are the Installment account/Real Estate Account(if you paid off your mortgage ASAP) like Car Loans, Furniture Store Loan/Personal Loans (These accounts, will always have a Limit of what you paid for and what the balance is. Once you stop paying on these account, it shows up a paid off account and because you stopped making payments on these type of account, they are not longer active and your credit score will drop at times 10-15 points, eventually they will go up gradually but it's an account that is no longer active. 

Remember, in the USA it's all about Give and Take when it comes to borrowing money, they give you the loan and they take in interest! That's the name of the game but at the same time, the whole goal of using credit is to get what you value and once you have it and is paid, your DEBT FREE and whatever you have to borrow will only be used for emergencies.  Remember that and you will always use your credit as emergency because hey, you never know! 

When you get a quote from us, here's what I send to future customers: WHERE WILL MY CREDIT SCORES BE AT?
Once all the negative accounts are removed from all 3 bureaus, then the sole determining factor into where your scores will be is in your open unsecured credit, meaning credit cards.  If you have $5k in limits and $5k in balances, and is essentially maxed out, your scores will be in the low 700, prob 700-710, while using the same scenario if you have $5k in limits and under 40 % percent in balances or $2k, then your score will be somewhere in the 730-745 plus range.  The key for you since you have so many negative accs is to get them off first because you're not gonna see your scores jump significantly until the positive accs start to outnumber the negative accounts, and once that happens, the key is the open unsecured lines of credit and getting those ratios in line which will be the final stage in the completion of the credit repair. If your ratios are in line, then it's just a matter of completing the process of removing all the negatives. hope this answers your question!

Be aware that during the credit repair process, your credit scores will fluctuate during the process and also remember that credit monitoring will report credit scores differently as well, do not worry about it! Our goal is to remove your negative accounts 1st then see about how to enhance your credit scores! 

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