Your insurance premium went up? Better check what’s on your report.

We’ve been telling our clients for years, your credit score and bad credit may not just affect whether you get that loan, or what interest rate you’re going to be charged, it is increasingly being used in non-lending capacities. The two biggies that are often discussed are insurance and employment.  Insurance companies have made the deicision that your credit score has a correlation to how big of a risk you are.  Therefore, the lower your score the higher your premium.  Worst of all, they don’t even know why there is this correlation, they just believe it and you end up paying for it whether it’s fair or not. Employers may also evaluate your score as critically as they may evaluate your references, and guess what, bad credit equals no job.  Seems like a catch-22 to us, how are we supposed to work on improving our credit and raising our credit score if we can’t get a job. Additionally, as the credit bureaus look to increase sales of credit reports, you can bet that more and more sectors are going to be pitched on the idea that your credit worthiness and history is a direct reflection with how you’ll perform in a totally unrelated areas.  In our experience working with more than 25,000 clients we have found that this is increasingly true, and a primary reason for retaining our firm to help them with their credit repair. But, don’t take our word on it, here’s what the Wall Street Journal recently had to say about it: “A growing number of companies — many of them having nothing to do with the business of offering credit — are also scrutinizing the data on those reports to decide whether to do business with you, and how much to charge.” To read their article click here. Of course this is a topic that we frequently discuss, here is a link to another article that we wrote regarding your credit score range and what it means to you....

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Does Your Spouse Have Something to Hide?

Oh the happy home, isn’t it so sweet.  You and your significant other are in love, you communicate wonderfully and you discuss everything.  Or do you?  As this article points out there is a secret that many spouses and SO’s are hiding, They’ve been SHOPPING!!! While this may be just a minor issue, for those of us working diligently to control our bad credit issues and work to improve our credit the long term results may be devastating. Is it time to have a talk????? “‘I’m not even married yet, but I already hide some of my purchases from my live-in boyfriend. We’re saving up for a house, and we both work hard. . .” Check out the full story on a number of secret shoppers and the results to their bottom line: Spouses With A Secret Shopping Habit – I’m A Secret Spender....

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The testimonials and results provided, although exciting, are provided for illustrative purposes only and are not typical, your results will vary. We promise only to perform the work agreed to in the terms and conditions of our retainer agreement with you, the client, and to charge each month only for work already completely performed. As with any legal services, no specific outcome is promised or guaranteed. The services of, backed by Centurion Law Firm may not be available in all states. No guarantee of, nor representation that YOUR credit score will increase is made by these illustrative past results, your credit can only be improved in accordance with federal laws requiring the information on your credit report not be inaccurate, unverifiable nor misleading. YOUR RESULTS WILL VARY.

* Our low monthly retainer of $29 per month is charged in accordance with all applicable laws for all services performed in the preceding month. Upon retaining our services there is an industry low one time file intake fee of, for a VERY LIMITED TIME ONLY - $29, which covers the costs associated with providing access to setting up your files in our systems and providing access to our exclusive Client Central area containing educational material regarding your credit and credit matters.

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