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Your credit score is an important asset that, like other assets, should be managed. It's an asset because it profoundly affects the price you pay for things like mortgages, auto loans, auto and homeowners insurance, credit cards, personal loans, and it can even affect your ability to rent a house or gain employment. It's pretty simple, higher credit scores mean lower interest rates and better loan terms.

Today, the importance of your FICO (credit) score is more important than ever. Credit repair or restoration can be used to fix credit reports that contain errors and inaccurate information. While OptimFic repairs and restores credit reports in the traditional sense, we also take it a step further.

The term "credit repair" intimates that something is broken which isn't necessarily the case. What if you have good credit but a score too low to qualify for the best interest rates or loan terms? The answer - OptimFic. We are credit score optimization experts and we educate consumers on how to maximize their credit scores whether traditional repair is needed or you simply need to raise (optimize) your existing score a few points. And if you think you don't need to optimize your credit score think again. In February 2008 Freddie Mac announced risk adjustments to the mortgages they purchase with FICO scores below 740 and less than 20% down and Fannie Mae announced price adjustments with scores below 720 on a purchase mortgage and adjustments for scores above 740 on a cash-out refinance!

Additionally, several mortgage insurance companies (PMI) have recently eliminated mortgage insurance for anyone with a credit score less than 620 which means if you don't have a 20% down payment you may not be approved for a conforming mortgage. On July 14, 2008, FHA began basing their up-front and monthly mortgage insurance premiums on credit scores which for many will mean an increase in both fees required to obtain FHA mortgage financing.

In 2007, it was possible for a consumer with a 560 credit score to obtain 100% mortgage financing from a sub-prime lender. Today, with a FICO score of less than 700 you will not qualify for 97% financing from a conforming lender. And, credit card companies have began to raise rates on some of their best clients even if they have a perfect payment history as well as drop credit limits on many consumers which can have a dramatic negative impact on your credit score leading to higher interest rates on other types of loan payments.

Our program may help you save hundreds each month with proven results by allowing you to qualify for lower interest rates and we offer it all with a money back guarantee. If we cannot remove at least 25% of the negative credit items from all three credit repositories, we will refund 100% of your fee. And, another unique feature of our program is that in many cases some or all of the cost of our services may be reimbursed by our referral partners that include mortgage companies, real estate agents, and more.

While OptimFic is based in Kansas City, MO and has field representatives in both Kansas City and St. Louis, we service consumers throughout the United States.

WHAT'S INCLUDED:

OptimFic prides itself on helping consumers restore their past credit history, settle their bad debts, and rebuild their credit as well as their good name.

	ID Theft
	Bankruptcies
	Foreclosures
	Tax Liens
	Late Payments
	Charge Offs
	Collections (paid or unpaid)
	Incorrect Personal Information

Whether you are trying to get approved for a loan, or just looking for ways to increase your credit score, OptimFic provides solutions. A higher credit score means substantial savings on your monthly bills, better rental and employment opportunities, and peace of mind.

Optimize and restore your credit score (FICO score) with OptimFic!