How It Works.
Easy & transparent experience.
A credit score is essentially a generated by a mathematical algorithm based on your credit history. It has been developed to forecast risk, more directly the chances of your credit becoming a delinquent status within the next 24 months.
In ordinance, information reported to credit bureaus is required to be accurate, relevant, and valid. Following our powerful but simple 3-step procedure, we will help assure that credit companies are in compliance with standards.
New Score, New You
01. Case Intake
Once you sign up, we immediately start obtaining your credit reports from the three major credit bureaus: Equifax, TransUnion, and Experian. We organize and compile items you want to challenge to help us determine where to direct our efforts – and prepare a plan to fit your goals.
02. Challenge
This step is the crucial part where you need Sunray Credit Adviser on your side. We are in direct contact with credit companies. We work with the credit bureaus on your behalf and find a solution applicable to your situation. Once completed, we carefully review every line of credit in your report and discover its strengths, weakness, and how we can help. Lastly, we contact the credit bureaus to verify the appropriate adjustments have taken place.
03. Become investor yourself
Our Sunray Credit Adviser will create a customized plan tailored for your specific goals and implement strategies to sustain long term results.
Your New Score
Sunray Credit Adviser works to help protect your score and reports while giving you back control of your credit. Continue to see improvements in your credit score every month for as long as you’re with us.
Tips to help improve your credit score!
- Make all credit card and installment payments on time. If you are going to be late on a payment, contact the lender and make arrangements.
- Do your best to keep your credit balances to 30% or less of the overall credit limit.
- Avoid applying for more credit cards or loans unless advised by our credit experts