Understanding Your Credit
Knowledge Is Power When It Comes to Credit
Your credit score is more than just a number—it’s a snapshot of your financial habits and history. It influences whether you get approved for loans, what interest rates you receive, and even how much you pay for insurance. At First Choice Auditors, we help you understand your credit profile so you can make more informed decisions and avoid costly mistakes.
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What Makes Up Your Credit Score?
35%
Payment History
30%
Credit Utilization
15%
Length of Credit History
10%
New Credit Inquiries
10%
Credit Mix
How Credit Card Relief Impacts Your Score
Entering a structured relief program can have mixed short-term impacts on your score, depending on your credit profile. However, for many of our clients, the ability to stop digging deeper into credit card debt outweighs the short-term impact.
Over time, successfully managing your relief plan can:
- Reduce your credit utilization
- Show consistent, on-time payments
- Improve your debt-to-income ratio
- Reduced balance totals in some cases
Rebuilding After High Balances
Credit improvement isn’t just about paying down debt—it’s also about building new habits. That’s why we include guidance and education as part of our program.
We help you:
- Set realistic budget goals
- Monitor your credit score monthly
- Understand which habits to build (and break)
Your State, Your Score
- Florida: Higher-than-average credit card utilization
- Michigan: Stronger credit recovery post-COVID
- North Carolina: Growing awareness of credit score impacts