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Credit Reporting Facts 

•79%  of credit reports contain some type of error.

•25%  of all credit reports contain errors serious enough to result in the denial of credit.

•29%  of credit scores vary by 50 points or more between each of the three major credit bureaus.

•54%  of credit reports contain personal demographic identifying information that was misspelled, long-outdated, belonged to a unknown            person, or was otherwise incorrect.

•30%  of credit reports contain credit accounts that had been closed by the consumer but incorrectly remained listed as open.


BUDGET WATCHER$ experience plays a role in Credit Counseling as it relates to raising your credit score. There are many factors that affect a credit score, and understanding these factors is critical to success. These factors include; debt to income ratios, credit type ratios, trade-lines, late payments and of course credit history. BUDGET WATCHER$ differ from other companies in our score-driven approach.




Credit Laws were Enacted

The Fair Credit Reporting Act (FCRA) which allows you to ensure that your credit report is accurate, and information was reported fairly. We can investigate any and all items that are misleading, inaccurate, untimely, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned.

Why choose Budget Watchers for Credit Services

You can certainly handle the entire process yourself, but like anything else, it’s always easier to let a expert who is faster and more experienced take care of it for you. Budget Watchers process goes beyond just Credit Counseling our strategic approach means that we’re focused on raising your credit score from every angle. For this reason, everyone can benefit from our service.

What is "Credit Counseling"?

Your credit report is updated by your creditors and maintained by credit reporting agencies; Equifax, TransUnion, and Experian. We just make sure the credit reporting agencies were accurate when they update your credit report. We also make sure what’s on your credit report even belongs to you and address issues that can improve your credit score. Credit Counselingis also about optimizing your credit report so it can produce the best possible credit score this is why Budget Watchers can help you.


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BUDGET WATCHER$