Repair Your Credit! 

    See fast improvement to your credit score  
    Decrease your auto insurance rates  
    Lower interest rates on home mortgages  

credit repairWhy My Credit Focus?

The attorneys at My Credit Focus have helped over 160,000 clients over the past ten years repair their credit! Whatever your credit issues may be, reach out to our friendly and experienced lawyers now.

Successful Credit Repairs!

How We Repair Your Credit:

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Credit Examination
Our attorneys will carefully review your credit report for any item that is inaccurate, misleading, incomplete, and/or unverifiable in any way.

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1-on-1 Plan
After we discover your areas of improvement or the disputes available on your credit report, your personal Case Advisor will fight for you.

Credit Restoration

Attorney Advantage
By implementing audits and enforcing federal laws and acts of Congress, the lawyers at My Credit Focus will start to free you of low credit scores.

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Seeing Results
After the bureaus respond to our disputes, you will start to see improvement in your credit score. Timeframe depends on the number of negative items filed.

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Credit Management
Not only do we fight for you to improve your credit score, we also set up a credit management system so you can keep track of your progress online.

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Enjoy Better Credit
From lower auto insurance rates to a decrease in the interest rates on home mortgages, you can start enjoying the many benefits of a better credit score.

Contact Us! 1-800-603-8045
Let’s repair your credit

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Happy Client Testimonials

"I found after a friend told me about them. We were able to get started right away and have my credit repaired quickly."

− Natasha L.

"I was able to buy a house after just 6 months of working with A dream come true!"

− Sally B.

"Joe was able to improve my credit score by 90 points in what seemed like no time. I drive a new car now and have my bills in line."

− George M.

"I lost my job in 2009 and it messed up my credit pretty bad. The staff at helped me get back on track. They really took the time to explain everything to me as they were doing it. Thanks for the help, guys!!"

− Robert R.

"I spent over 6 months fighting with the different credit reporting agencies over errors THEY made on my report and still couldn’t get things resolved. I called and they were able to fix the errors quickly and effectively. I wish I would have called them first, before trying the DIY approach. Would have saved me time and money in the long run."

− James L.

"These guys were upfront and honest with me about what they could and couldn’t do regarding my credit report. I also like the fact that I have an attorney working my file here. So far they have done a great job and I am seeing a big improvement in my score."

− John C.

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Fix Your Credit With Our Company’s Unique Solutions in Teterboro New Jersey

A Guide To Credit Repair.

In the modern day, you can never get away from your credit score. It affects several things that you do, and it is paramount to ensure that it is good. However, you can try to be on the right side of the firms offering credit only to find that your score is poor. This is common to see some negative entries on your report, and whether they are true or not, they can affect your score and make life difficult. In such situations, it is necessary to reach out to credit score repair companies such as and let them help you to repair your score with our professional attorney and lawyer capabilities.

Fixing credit cannot be done overnight, and it is a careful and continuous process. Before starting this process, it helps to understand the aspects that affect your score. Read on;

Factors Affecting Your Credit Score.

The credit score is a numerical representation of all the financial details contained in your credit report. These reports are offered by either of the three known bureaus called Equifax, Transunion, and Experian. Creditors send information about consumers to these unions and some of them report to one and others to either two or all. Creditors assess the credit reports and decide whether you qualify for the credit facilities and the terms and conditions applicable to you.

Payment History.

This accounts for about 35% of your score. You will see every amount you have paid and received over time on your report, and any late payments will be noted.

Total Debt.

A further 30% of the score is obtained from the amount of debt you have. Installment debts such as student loans and mortgages are not weighed heavily. Rotating credit such as credit cards make up a more substantial portion of the 30%.

Credit History.

This accounts for 15% of your credit score. You need to prove to a lender that you can pay for a loan using your history. This factor looks at how long your accounts have been operational including the loans and credit cards.

New Credit.

This accounts for 10% of the score. This refers to all new applications for credit submitted in the past two years.

Credit Mix.

This accounts for the final 10% of the score. It looks into the different types of credit you have since some will hurt your score more while others will help it.

Negative Entries On Your Report.

Having a poor score is not permanent since the bad entries can be reported for a limited time. This means that the bad entries will fade away over time. As long as you engage in positive behavior that will build your score, it will improve. Here are some of the negative entries you will find on your report;

  • 1. A charge off happens when a lender decides that a debt cannot be collected. The lender sells the debt to a collector, and this entry can stick on your report for up to seven years.
  • 2. Late payments apply to ones that are due for more than thirty days on the day they were supposed to be paid. This depends on the lender as some wait for second late payments before reporting to the bureaus.
  • 3. Bankruptcy cannot be declared for more than ten years from the date you filed for it.
  • 4. Foreclosures affect your score for seven years, but you do not have to wait for long before buying a new home.
  • 5. Judgments.
  • 6. Tax Liens.
  • 7. Repossessions.
  • 8. Interest Rates

How To Begin Repairing Your Credit Score With Our Services

The process of repairing your credit begins with obtaining your reports from all three agencies. This is necessary because some lenders report to specific ones. Review all the statements carefully and check if they are accurate. You might not understand the technical terms and figures there and contacting a credit repair firm can be your best solution. One the review is done, you will point out the incorrect entries on the report and file for requests to have them removed. Some of these negative entries might be the ones behind your poor score and removing them will have a positive impact. After that, you need to work on some behaviors that might be derailing your report. Here are some of the tips;

  • Reduce your credit utilization ratio.
  • Ask the credit card providers to increase your limits.
  • Become an authorized user of someone whose score is excellent.
  • Consolidate your credit card debt.
  • Get small credit score builder loans.
  • Stick to your budget and pay up your bills on time.
  • Use your credit card responsibly.

It has been seen that credit scores when repaired are not an easy thing due to the number of elements involved. You might not be in a position do understand most of the things involved and finding a reliable credit score repair service can help you a lot. One reliable one you can contact is and be sure to have them review and repair your score in good time. Contact us today for the best, fasted, and cheapest fixing company around in Teterboro New Jersey.

Lawyers And Attorneys For Damaged Fico, Equifax, Experian, or TransUnion Scores