CREDIT IS A LIFESTYLE.
CREDIT IS A LIFESTYLE.
CREDIT IS A LIFESTYLE.
CREDIT IS A LIFESTYLE.
Don't let past mistakes stop you from reaching your full potential!
Don't let past mistakes stop you from reaching your full potential!
Don't let past mistakes stop you from reaching your full potential!
Whether your goal is to buy a house, car, or just have good credit; we can show you exactly what's hurting your score & how you can work to fix it!
Whether your goal is to buy a house, car, or just have good credit; we can show you exactly what's hurting your score & how you can work to fix it!
Whether your goal is to buy a house, car, or just have good credit; we can show you exactly what's hurting your score & how you can work to fix it!
Don’t let past mistakes stop you from reaching your full potential! Whether your goal is to buy a house, car, or just have good credit; we can show you exactly what’s hurting your score & how you can work to fix it!
know what your credit score consist of...
Payment History
35%
Credit Utilization
30%
Length of Credit History
15%
Credit Mix
10%
New Credit
10%
At Top-Notch Credit Solutions LLC, we offer comprehensive credit repair and building services aimed at assisting individuals in enhancing their credit profiles to appeal to lenders for various financial needs such as home and vehicle purchases, as well as securing favorable interest rates. What sets us apart is our commitment to genuine credit repair, recognizing that it’s a process that requires active involvement, openness to credit education, and the establishment of positive credit habits.
It’s important to note that at Top-Notch Credit Solutions, we don’t promise quick fixes. Results cannot be guaranteed, and therefore, we cannot specify a definitive duration for program completion. We understand that reversing credit history damage requires dedication and patience from both our clients and our team. If you choose to enroll with us, rest assured that we will diligently work alongside you to achieve your credit goals.
At Top-Notch Credit Solutions, we understand the significance of a strong credit profile. Our expert team is committed to guiding you on a journey towards better credit. We meticulously analyze your credit reports, identify errors, and work to have them corrected. Our personalized strategies empower you to make informed financial decisions, develop positive credit behaviors, and rebuild your creditworthiness. Call 252-563-4148 to get started today!
We Help Improve Your Credit Profile by Removing Inaccurate:
Late Payments
Repossessions
Hard Inquires
and more..
Buy a House
Rent a Home
Buy a Car
Credit Cards
Financial Health
Buy a House
While repairing your credit is a major factor, another important factor when buying a home is DTI ratio. DTI is the acronym for debt-to-income.
Your debt-to-income ratio (DTI) compares how much you owe each month to how much you earn. Specifically, it’s the percentage of your gross monthly income (before taxes) that goes towards payments for rent, mortgage, credit cards, or other debt.
As a general guideline, 43% is the highest DTI ratio a borrower can have and still get qualified for a mortgage. Ideally, lenders prefer a debt-to-income ratio lower than 36%, with no more than 28% of that debt going towards servicing a mortgage or rent payment. The maximum DTI ratio varies from lender to lender. Click here to check your DTI ratio.
Rent a Home
When it comes to renting a home, there are many factors that are taken into consideration. Many people don’t know the tenant background checks can include a variety of information, including rental and eviction history, credit, or criminal records. These records are also known as consumer reports. By law, you are entitled to receive one free report from each annually. You have the right to dispute inaccurate or incomplete information.
You can request a copy of your Experian RentBureau report by completing a request form and mailing it in, or by calling 877-704-4519. The other major companies that provide tenant history reports are LexisNexis, CoreLogic, and Tenant Data.
Buy a Car
The more you know going into the dealer, the better you’ll feel driving out. For example, dealers have to put a Buyer’s Guide on every used car. You’re also entitled to a Buyer’s Guide if you buy a used car online. The Guide will tell you if a car has a warranty, or is being sold “as is.”
You’ll also want to get a vehicle history report and get the facts about independent inspections, payment options, and what to do if you have a problem after the deal is done. Click here for more information on buying a used car. Click here for information on buying a new car.
Credit Cards
Credit card: When you use a credit card, you’re borrowing money to buy something now. Later, you pay back the money, usually with interest. You may be able to avoid paying interest if you pay your bill in full by the payment due date. For cash advances and balance transfers, most credit cards charge interest right away. Each credit card’s terms and conditions tell you how interest is charged for that card.
Secured credit card: To use a secured credit card, you deposit money with a bank or other credit card lender. That money then secures your repayment, so the card issuer knows it will get paid. The money you deposit also determines your credit line — which is how much you can spend. Your credit line is a percentage of the deposit — typically, 50 to 100 percent. A secured credit card can help you build your credit history. You may have to pay an annual fee to use one, but not all cards require it.
Financial Health
For most people, attaining financial health is a journey. Your journey may begin in crisis — during a period of unemployment, low wages, sudden illness or divorce. You can improve your financial health with a series of actionable steps that build stability over time. Click here for 20 steps to financial health.
TESTIMONIALS
"Diana Harris is my daughter. Over the last year she has single-handedly repaired my credit. For the first time I have 2 credit cards and just received a $1,000 increase on one of them today! She taught me how to value my credit and my score. My score has increased over 141 points. She will take you by the hand and step by step walk you through the credit repair process. She has always been honest in all things so if you want to deviate from the truth, this company is NOT for you. Thank you so much for a job well done!!"
-Deborah
5/5
"Best credit service I have received in years. By far. The experience, knowledge, and business orientation are unmatched. Thanks to Diana and staff I am now proceeding with a proper credit card experience. Highly recommended"
-Timothy
5/5
"I’ve had an extraordinary experience with this company. Diana is very professional, thoughtful, and helpful. She doesn’t take advantage of people who are struggling with their credit. She truly wants you to achieve your goals and will certainly help you to get there. My score has increased about 160 points since she’s been working on my credit. I would definitely recommend her to anyone who needs their credit repaired. You won’t regret it!"
-Loren
5/5
