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Frequently Asked Questions

Who will provide information about my credit?

A personalized advisor will accompany you throughout the process of obtaining excellent credit, providing you with all the updates and recommendations necessary for your credit. Any doubts you have will be resolved by our professional, who will provide you with the necessary information about your credit.

Is my personal information protected?

Of course, all the information we collect is completely encrypted and secured. We have a security system that guarantees the protection of all the information we provide.

Will the credit report that you obtain reduce my Score?

Checking your credit reports or credit scores will not impact credit scores. In fact, regularly checking your credit reports and credit scores is a good way to ensure information is accurate.

Will my membership change over time?

No, the initial membership will remain over time regardless of any additional benefits we may include in the service we provide to you.

Will I get any benefit if I refer your services to someone else?

Yes, of course. Whenever you refer new clients to any of our services, you will receive excellent rewards and benefits.

Why do I need to have excellent credit?

Because in the United States, it is crucial to access great financial opportunities. The better your credit, the more and better offers, benefits, and discounts you will receive, which will make your life and that of your family easier.

Why is it recommended to apply for a secured credit card?

Because it improves your credit history, you can obtain loans and credit cards with lower interest rates and better benefits in the future.

How do late payments affect my credit score if my account is up-to-date?

Credit reports reflect any late payment in your history, even if you eventually pay off the full debt. Late payments can be seen as a risk indicator for lenders and can lower your credit score.

Why should I maintain a 30% balance on my credit card line?

Because it indicates that you are managing your credit responsibly, and it can improve your credit score. Keep in mind that credit score is an important factor when applying for loans and credit cards, so it is crucial to manage your credit responsibly.

How does using different names affect when applying for credit?

Using multiple names, addresses, or additional information on your credit report increases the risk of fraud or identity theft. We always recommend applying with the same name you want to appear on the report.