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credit score analysis

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Your solution to better
credit starts here

At Legalharbor our commitment to our client's goes beyond just repairing credit; it's about empowering our clients to achieve their financial goals.

Legalharbor three step approach

Credit repair is a process designed to improve an individual's creditworthiness and credit score. It involves taking actions to address and rectify negative information on a person's credit report, ultimately leading to an improved credit profile.

The goal of credit repair is to help individuals qualify for better interest rates on loans, credit cards, and other financial products.

Step 1

Analyze

Analyze your credit report to find problem areas needed to address and repair.

Step 2

Dispute

Dispute unverifiable, outdated, and erroneous information that is hurting your credit score.

Step 3

Build credit

664

Build credit, as we aggressively open disputes to remove negative information.

We will guide you to build stronger credit so that your able to reach your financial goals sooner than later.

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What are the true costs of poor credit?

Insurance rates

30-year-old driver no tickets, no claims 4-door 2016 sedan driving 12,000 a year in a city traffic.

$1,500
Excellent credit
760 or higher
$2,000
20% Higher
Very good credit
700-759
$2,150
45% Higher
Good credit
640-699
$2,400
60% Higher
Fair credit
620-639
$2,580
72% Higher
Poor credit
Under 620
Credit card rates

Average APR accross all credit cards. Credit card rates will vary due to many different factors.

12.7%
Excellent credit
740-850
17.6%
Very good credit
700-739
20.1%
Good credit
660-699
22.2%
Fair credit
620-659
25.4%
Poor credit
Under 620
Auto loan rates

60 month loan for $30,000.
Amount shown is principal and interest.

$32,667
Interest rate: 3.4%
Excellent credit
760+
$33,773
Interest rate: 4.2%
Very good credit
740-759
$35,187
Interest rate: 6.5%
Good credit
700-739
$37,506
Interest rate: 9.2%
Fair credit
600-699
$41,882
Interest rate: 14%
Poor credit
Under 600
Mortgage rates

30-year Mortgage for $350,000.
Amount shown is principal and interest.

$684,116
Interest rate: 5.1%
Excellent credit
760-850
$693,437
Interest rate: 5.22%
Very good credit
700-759
$707,528
Interest rate: 5.4%
Good credit
680-699
$739,308
Interest rate: 5.8%
Fair credit
640-679
$804,710
Interest rate: 6.6%
Poor credit
< 639

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