The Credit Clinic

Informed. Involved. Invaluable.
Owning a home, a car, even a boat, is all part of the American dream. For some Americans that dream is easily obtained. For others, it remains tantalizingly out of reach. In this economy especially, people just do not have the resources to pay cash for the largest investments of their lives. As a society, we rely heavily on our ability to obtain loans and credit in order to purchase these big ticket items. Unfortunately, with an estimated 83% of all Americans having some sort of derogatory credit being reported, and with all of the banks and lending institutions making it increasingly harder and harder to obtain credit, people are very rapidly beginning to lose all their purchasing power.

The Credit Clinic can help you tear down these barriers.

What Makes up a Credit Score

Credit Score Pie Chart
  • 35% Payment History
  • 30% Amount Owed vs. Credit Available
  • 15% Length of Credit
  • 10% New Credit
  • 10% Types of Credit Used
Mortgage Calculator
Finance Data:
Item Price: APR:
Down Payment: Years:
Item Principal:
Number of Payments:
New Monthly Payment: