High balances
Using a large share of your card limits lowers your scores. Getting under 30%, then under 10%, is one of the most direct ways to help them.
Get out of debt and rebuild your credit.
Debt you are working to pay down still shows up on your report while you do it, and it can keep you from the lower rates that would make it easier. Tailor Your Credit reviews your report, works what is holding it back, and builds a plan so your credit improves while your balances come down.
Start My PlanWhat is holding your credit back
When debt piles up, a few items usually do most of the damage on your report.
Late payments
Payment history is about 35% of a FICO score. Getting current, and staying current, matters more than anything else.
Collections
Accounts sent to collections hurt your scores, including medical bills you never expected.
Charge-offs
A charge-off tells lenders the original creditor wrote the debt off as a loss. It weighs heavily on every application.
Inaccurate or outdated items
Wrong balances, duplicate accounts, and items past their reporting period don't belong on your report and can be challenged.
How Angelo builds your plan
- 1
See everything on one page
Your free call comes with a written audit: your scores, every account, and every negative item, so you know exactly what you are working with.
- 2
Challenge what doesn't belong
Inaccurate, outdated, and unverifiable items get challenged, so your report shows what is actually true.
- 3
Build while you pay down
You get the right moves in the right order for balances and payments, and a plan for the goal that comes next.
From struggling to get approved to multiple card approvals.
She hired Angelo, fired him, and hired him again. Today she holds multiple card approvals, including Amex, and an 800 Club plaque.
Every credit file is different, and results vary.
Common questions
Lowering your card balances usually helps your scores, because utilization is a big part of the calculation. Paying a collection doesn't remove it from your report by itself, which is why the order of your moves matters.
No. Tailor Your Credit does not negotiate or consolidate debt. Angelo reviews your credit report, challenges items that are inaccurate, outdated, or unverifiable, and builds a plan for your credit while you pay down what you owe.
Medical collections that are inaccurate or can't be verified can be challenged. Angelo looks at each one on the free call.
Most clients see their first changes within 30 to 90 days, and fuller timelines run 3 to 6 months depending on the file. Rebuilding is steady work, and the plan keeps going after the first goal.
No. No one can legally guarantee a credit outcome. You get a thorough review of your report, honest pricing, and a plan built around what is actually on it.
Find out where to start on your debt.
One free call. Angelo reads your report, walks you through it, and tells you the plan and the program that fit your goal, with every price up front.
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