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​What is a Credit Score?

A credit score is a number, typically between 300 and 850, used by lenders to predict a person’s credit worthiness, in other words, how likely that person is to repay a debt. A credit score is based on a variety of personal financial data like past credit cards and loans and is sourced from credit bureaus. A higher score indicates that a borrower is lower risk and more likely to make payments on time. The higher your credit score is, the more likely you are to be approved for a loan. You may still manage to get approved for a loan despite a lower credit score, however, a lower score will cause your interest rate to be much higher than someone with a higher score. A higher interest rate could cost you thousands of dollars more over the life of your loan or credit card.

We will help you to dispute negative items in your payment history.

​​Good news! While we take care of the the credit dispute process, there’s more you can do to help raise your credit score.

​​How long do negative items remain on my credit report?

​Information that cannot be in a credit report:

What our clients Say


Friendly and Professional Service

You can trust that every time call you will speak to a knowledgeable, friendly and professional credit repair specialist.

Trusted Results

Errors and inaccurate information are legally and permanently removed from your credit report. We are committed to producing results within 180 days.

Highly Trained and Experienced

At Chames Financial our specialists are trained to analyze your credit information from all three major credit bureaus. We will make sure the items on your reports are as accurate, up-to-date and as fair as possible.


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