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The credit score associated with your credit report is determined by use of a very complex algorithm applying weighted values to many data factors. Very important is length of your credit history, the number and types of accounts you have on record, how much is owed compared to your total credit line, and how timely payments have been made.

Delinquency, collection activity, and charged off items do a great deal of damage to your credit report and may make credit repair a necessity. When these past dues are paid, or brought current, this pay off is usually considered to be recent activity.

Do not make applications for a mortgage or other new credit until many months after making payoffs.

Additional information is located on these pages:

RMCN Credit Services
1611 Wilmeth Road, Suite B
McKinney TX 75069
(972) 529-0900 Office (972) 562-0225 Fax
Toll Free (888) 4-MY-REPAIR
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