SCORE CONFIDENCE Helps Solve Credit Problems With Innovative Solutions

We provide trusted credit solutions for consumers and businesses with innovative products and services that educate and give the power back to the consumer.   

Score Confidence™ is a financial literacy and educational services provider offering advanced credit enhancement consulting on an individual basis, and in a group setting.

We strive to achieve an unequaled standard of excellence in our profession by providing personalized, value-added services to our clients by assisting them in making educated, intelligent financial decisions that put them in the best long-term position possible.

In partnership with industry-leading resources providers, we offer a broad range of dependable financial products designed to give the consumer the overall advantage.

A big passion of ours, however, is helping to be a part of educating and enlightening communities in the nuances of financial accountability in an effort to end economic exploitation.  We believe if we touch enough people, the community as a whole can benefit, and thrive.

Economically-speaking, it begins with access to capital resources… which is directly related to the importance… or the mandate… of having, and maintaining, an excellent credit score.  Click Here And Watch The First Video →

Atlanta Georgia fixer upper housesThe Difference Between Excellent Credit vs Mediocre Credit

Your credit score has a major impact on the interest rate you pay each month, on the credit limit you’re offered on a card, on whether or not you’re approved for a mortgage, a car loan, an apartment rental, a job application… you name it.

Your credit affects every single area of your life today… literally.  Lenders use your credit score as a representation of your credit risk when you apply for a line of credit.  Fico Scores are the most popular type of credit score lenders use.  Your Fico score can range from 300 to 850.

In the eyes of the lending institution, a truly “excellent” credit score is in the range of 760 to 850. This means you have a long history of consistently making your payments on time and that you keep a low balance compared with your credit limit.  You can get the best credit cards and qualify for the best rates and terms on anything you purchase on credit.  You’ll receive the lowest interest rates and highest credit limits.  You’ll pay less for the things you need in life, and enjoy life’s luxuries at a lower cost as well.

A “good” credit score falls within a range of 700 to 759.  Typically this means your payments are made on time and you don’t carry a high debt-to-available-credit ratio, however, within this range of credit, you’re the most desirable candidate for lenders.  The reason for that is because by not having the highest tier credit rating, it justifies the granting of credit at a higher rate of interest.

While it’s true that good credit borrowers generally are approved at lower interest rates and higher credit limits than those with fair credit, it’s also true that “good credit” borrowers pay significantly higher rates than those with excellent credit.  In many instances, it’s not even close.

“Fair” credit ranges from 650-699, and pays much more than an excellent credit borrower.  “Poor” credit is 600-649, and pays extremely much more. “Bad” credit is any score below 600, and pays an insane amount more than excellent credit (if you’re approved at all).

Over time, the added interest and fees you pay ends up totaling tens or hundreds of thousands in unnecessary additional costs.  This works out well for the lending institutions, but not so much for you.

From the lender’s perspective, all scores outside the “excellent” range fall under the “mediocre” or “poor” categories.  Unless you’re in the 760+ grouping in terms of your score, the bottom line is you’re being taken advantage of.  The only question is… to what degree?

Get Access To Our Industry Leading Resources To Optimize Your Credit Scores.

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The Hidden High Cost of Less-Than-Excellent Credit

Less-than-excellent credit has a serious cost that typically goes unnoticed to the untrained eye.  Of course, you know you’re going to pay more in interest.  But did you know that less-than-excellent credit can cost you tens or even hundreds of thousands of dollars in interest over your financial lifetime?  That’s a lot of money you could be using for your retirement nest egg, a family vacation or even a house, or more importantly yet, a legacy of financial stability to leave to your heirs.

The difference between a “good” and an “excellent” credit score over a lifetime is an eye-popping $200,000.  The difference between “poor” and “excellent” is over $900,000.

The impact goes unnoticed because instead of paying in one lump sum, you’re paying it over time, so it’s less painful… sort of like death by a thousand cuts.  Same result though…

Nearly all employers check credit now.  They want to know you’re making financially sound decisions because they think it translates into being a responsible employee.  Insurance companies pull your credit score as well to figure out your premium or to determine whether they’re going to risk covering you at all.

At around 580, it becomes very hard to get access to any credit, period.  Around 550, you can only borrow money from payday and car title loans with interest rates going as high as 25-29% per month.  That’s 350% annualized!

At a certain level, you’re going to get into unbankable territory where you have to get money orders and cashiers checks to pay for things because you can’t get a bank account.

It doesn’t have to be that way.

Enough Is Enough… No More Mediocre Credit! Click Here And Watch The First Video →

Atlanta Georgia real estate firmWe’re Looking For Agents To Help Us Assist Others

More than 43 million Americans have credit scores below 550.  Tens of millions of others pay more than they should in interest because their scores fall into the less-than-excellent category.  Many don’t even realize they’re being financially exploited.

Most consumers with less-than-excellent credit scores feel trapped.  Not knowing what to do to repair their situation, alot have just accepted their fate, but we offer alternatives and hope for a better tomorrow, today.

By simply helping us spread this message of financial accountability, you can help individuals and families put themselves on the road to recovery and stability… and be compensated according to the value you bring.  Who do you know with less-than-excellent credit?

We have options you may be interested in.

If There Was A Way For You To Have More Control Over Your Income, Schedule, Advancement, Benefits, Retirement and Financial Future, Would You Want To Know About It?

Of course, you would.  It’s only the responsible thing, to at least listen to what we have to say.  If it makes sense, join us, and do something today your future self with thank you for.  Call 855-516-2500 to speak with a representative about joining our team.  We’re always happy to assist.

If you’re interested in learning more about ways we can work together don’t hesitate to contact us today.