CREDIT MISTAKES ARE MORE COMMON tHAN YOU KNOW!

Would you be surprised to learn that 1 in 5 consumers has at least one error on one of their reports? According to a 2013 survey conducted by the Federal Trade Commission, that's EXACTLY how many American's have inaccurate data in their credit reports! These errors equate to hundreds of thousands of dollars wasted by consumers who are then left literally paying for the credit bureau's mistakes! But you don't have to become one of their statistics! Texas Credit Resiliency can help you beat them at their own game!

Texas Credit Resiliency is your ONE STOP SHOP for all of your credit solution needs! Our team of dedicated credit restoration specialists have more than 17 years of experience in the credit restoration and credit education industry in Texas. We have the tools and resources to help YOU bounce back from damaging credit issues, and we will use them all to get you RESULTS!!!!

WHY Texas credit resiliency?

If you look up the definition of RESILIENCY, you'll understand why we chose to include it in our name: resiliency is the ability of something to return to its original size and shape after being compressed or deformed. It's that very concept that we strive to instill in our clients - that your bad credit is NOT a death sentence, its NOT the new norm and you DON'T have to live with it! EVERY client is different, but the one constant that never changes is that credit bureaus make mistakes and those mistakes CAN be fixed! Your credit CAN be restored and IMPROVED!

LIFE HAPPENS EVERYDAY!

These days, most people are too busy to monitor their credit worthiness regularly, and those same people have no idea WHAT their credit scores are.  Additionally, many people are clueless as to how those numbers are comprised.  The staff at Texas Credit Resiliency has those answers and more!  So whether you’re looking to purchase a new major appliance, buy a motorcycle, upgrade your vehicle or purchase your dream home, make sure you know where you stand BEFORE you let a retailer run your credit.  Let us put YOU in the driver’s seat in terms of your credit when applying for that next major purchase.

IT’S NEVER TOO LATE!

Oh no, you’ve found us AFTER you let that retailer run your credit, only to be denied because your scores are lower than you thought?  Don’t worry, being denied that line of credit may actually SAVE you money in the long run!  How? By putting off that major purchase for just a few months, you could end up saving THOUSANDS of dollars in interest charges over the life of the loan. Why?

• Lenders will offer high-interest rate, non-prime auto loans to borrowers with credit scores of 660 or below, while borrowers with scores of 661-850 will likely get prime or super prime loan rates
• People with bad credit are likely to be offered subprime (501-600 credit scores) or deep subprime (300-500) loans at much higher interest rates that can be triple what borrowers with good credit would pay
• The average auto loan rate for new cars bought with subprime loans in Q4 of 2019 was 11.51%, and average loan rates for all used cars bought from independent dealers stood at 18.47% for the same period, according to Experian's State of the Automotive Finance Market