Credit Rebuilding in Jacksonville, FL
We at Parker & DuFresne know that bankruptcy is just one tool in the toolbox. That’s why we bring a holistic approach to financial repair, which is why we also provide credit rebuilding. Yes, you need immediate relief from your creditors, and you get that relief through our various bankruptcy strategies. However, once your debt is restructured in Chapter 13 or eliminated in Chapter 7, you will want to turn your attention to your financial future.
The typical bankruptcy law firm tells their client their job ended when the bankruptcy closed. You are left wondering, “How do I start over? What’s the first thing I should do now that I discharged my debts? How do I rebuild my credit?” The typical lawyer will shrug his shoulders.
At Parker & DuFresne, we give you the knowledge, the tools, and the motivation to rebuild your credit and renew your financial outlook. Our credit rebuilding program is tailored for post-bankruptcy debtors and focuses on topics like replacing old credit with better credit reporting, avoiding credit-fixing scams, updating credit score information with the bureaus, building great credit using low credit lines, and fixing errors on reports. If you search the internet, you’ll find high-quality services like this charge about $1,000, but we built this valuable service into our very competitive bankruptcy price. This same personalized program has helped thousands restore their credit 12 to 24 months after bankruptcy.
Your rebuilt credit will allow you to start over from a severe financial speed bump in your life.
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How important is my FICO credit score?
According to Experian, one of the three credit reporting agencies, your FICO score is a factor in 90% of all lending decisions. A good FICO score means lower interest rates, lower security deposits and lower monthly payments. Even a modest reduction in an interest rate can save you thousands of dollars over the lifetime of a loan. If you have bad credit now, working with a credit rebuilding program will save you thousands of dollars every year!
For example, someone with a credit score of 589 will pay 20 – 24.99% interest on a 5-year car loan while someone with a credit score of 720, according to MyFICO™, would pay on average 4.6% per year. So, if you borrow $15,000 to buy a car; you’ll be spending around $160 extra every month and nearly $9,600 extra over the life of a 5-year car loan.
If you have bad credit, forget shopping with a new car dealer. You’ll be buying your car from a “buy here, pay here” lot, and you’ll only get to choose from the used cars they happen to have that day. You’ll overpay for the car you buy because they know you have no negotiating leverage ~ you need that car, and your options are limited. Also, you’ll have to pay bi-weekly, and they’ll repossess your car the first time you are late. That repo ensures you’ll never escape the cycle of bad credit.
The team here at Parker & DuFresne can work with you to get you on the path to a prime credit score. You’ll save thousands every year, and more importantly, you’ll break the bad credit cycle.
Is Credit Rebuilding Hard?
Nothing worthwhile is easy, and rebuilding credit is no exception. However, rebuilding your credit isn’t hard if you know what to do and when to do it. The credit rebuilding program is a self-study, online course that allows you to go at your own pace. You’ll get assignments designed to keep you on track, and you will see your credit score improve as you implement the various strategies. Your growing credit score will motivate you to keep working toward your goal of prime credit.
How Much Does Credit Rebuilding Cost?
Parker & DuFresne helps to implement a proven strategy for rebuilding your credit after bankruptcy. This same program has already helped tens of thousands of people reclaim their economic future by rebuilding their prime credit score. This program typically costs consumers $1,000 on average, but we include this service at no additional cost. If you file your bankruptcy with us, we cover the credit rebuilding program for free! Don’t be stuck behind a financial wall. Let our team bring our holistic financial services to your doorstep and get you back the life you remember.
For your free information on rebuilding your credit after bankruptcy, contact our team today. Parker & DuFresne is ready to work with you.