Roman Rivera Credit Repair


Bad credit can get better


When debts pile up, it can be impossible to see a way out. And in the meantime, a bad credit report can prevent you from getting a mortgage, car loan, credit card, apartment or even a job. Let the sensible strategies in Roman Rivera
Credit Repair help you take control, clean up your credit report and live debt-free.


Roman Rivera does the following for you:


•    Assess your debt situation

•    Correct errors and improve your credit report and score

•    Choose the best repair strategy for your situation

•    Prioritize your debts

•    Negotiate with creditors to reduce debts

•    Add positive information to your credit report

•    Avoid identity theft and credit scams

•    Build a solid credit history


Remember that a credit report is a record of the borrower’s credit history from a number of sources, including banks, credit card companies, collection agencies, and governments.


In the United States, such reports are maintained by the three national credit reporting bureaus. This information is used by lenders such as credit card companies to determine an individual’s credit worthiness; that is, determining an individual’s ability and track record of

repaying a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid regularly and on time, and therefore focus particularly on missed payments and may not, for example, consider an overpayment as an offset for a missed payment.


Credit scores vary from a scoring model to another, but in general the FICO scoring system is the most commonly used.


Roman Rivera Analyses the following credit factor of your scores:


  • Payment history (35% ) – A record of negative information can lower a consumer’s credit rating or score.


  • Debt (30%) – This category considers the amount and type of debt carried by a consumer as reflected on their credit reports.
    • Revolving debt – This is credit card debt, retail card debt and some petroleum cards.
    • Installment debt – This is debt where there is a fixed payment for a fixed period of time. An auto loan is a good example as the cardholder is generally making the same payment for 36, 48, or 60 months.
    • Open debt – This is the least common type of debt. This is debt that must be paid in full each month.


  • Time in file (Credit File Age) (15% ) – The older the cardholder’s credit report, the more stable it is, in general. This “age” is determined two ways; the age of the cardholder’s credit file and the average age of the accounts on their credit file. The age of their credit file is determined by the oldest account’s “date opened”, which sets the age of the credit file.


  • Account Diversity (10% ) – A cardholder’s credit score will benefit by having a diverse set of account types on their credit file. Having experience across multiple account types (installment, revolving, auto, mortgage, cards, etc.) is generally a good thing.


  • The Search for a New Credit (Credit inquiries) (10% ) – An inquiry is noted every time a company requests some information from a consumer’s credit file.


    Remember that in the United States, insurance, housing, and employment can be denied based on a negative credit rating.


    Roman Rivera Credit Repair can help and assist in managing your credit. Let us check your credit.


    Contact us:

    Roman Rivera

    6360 Van Nuys Blvd STE 173

    Van Nuys Ca 91401

    (858) 848-5669





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