Welcome to Instant Credit Hacks

Hack Your Credit...Hack Your Life!

Do You Know Your Credit Score?

<580 POOR

With a poor credit rating the terms and interest rates you receive from banks won’t be very appealing. You’ll be required to pay more over a longer period because of the high interest rates. Scores in this range have the highest probability of declines from lenders.

580-669 FAIR

Depending on what kind of loan or credit you are applying for,  you might find that the rates you are quoted aren’t the best. That doesn’t mean that you won’t be approved but, certain restrictions will apply to the loan’s terms. Scores in this range are often denied credit.

670-749 GOOD

In this range approvals are practically guaranteed but the interest rates might be marginally higher. If you’re thinking about a long-term loan such as a mortgage, try to increase your credit score higher than 750 and your long-term savings will be noticeable.


With a credit score in this range you’ll be treated as royalty and your APR’S (Annual Percentage Rate) on credit cards will be the lowest possible. Achieving this excellent credit rating requires financial knowledge and discipline, but also a good credit history.

Signs You Need to Repair Your Credit

Have you been living with bad credit? Are you unsure of your credit standing but have a suspicion it’s not the best? Here are some obvious signs you need credit repair.

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How Credit Impacts You

The biggest issue with having poor credit is all the ways that it can affect your life today, tomorrow, and in the future. Since you’ve taken the first step to improve your credit profile, I’m sure you can relate to the way having a poor credit profile can impact your life. You may have experienced:

• High interest rates on your credit cards and loans
• Difficulty getting a mortgage
• Credit and loan applications getting denied
• Difficulty getting approved for an apartment
• Extra Security deposits on utilities
• Difficulty getting a cell phone contract
• Higher insurance premiums
• Calls from debt collectors
• Difficulty purchasing a car
• Difficulty starting your own business

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Did You Know?

• 40 points could cost you $40,000 on a 30-year mortgage
• One mistake could decrease your credit score by 110 points
• 46% of credit reports contain serious errors
• 25% to 79% of credit reports have material errors
• 77 million Americans have a report of debt in collections
• Fewer than 25% of people obtain copies of their credit report 
• 37% of people are unaware of their own credit score

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Reasons to Fix Your Credit

Sick of bad credit? Fix Your Credit Today!

Having bad credit can affect almost every aspect of your life: landing a job, buying a house, getting a car loan, qualifying for insurance…it can even take a toll on your marriage. If any of this sounds familiar and you’re sick of living with bad credit, it’s time to speak with a credit expert today and start cleaning up your credit!

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