Williams Credit Resource, is offering information to consumers and clients  to help restore credit by correcting inaccurate, incomplete, and erroneous information with the credit bureaus.  We offer our complete credit assistance to help you restore your credit to a level needed to resume a normal life with freedom to buy and receive the loans needed for your home, car and credit purchases. Receive one on one customer service that is held in strict confidentiality for 1 year. Our service does not offer a guarantee as we are offering you our assistance  to dispute your credit, but we know for a fact that we have had several satisfied customers over the years.  If we did not do anything to help you out and nothing came off, then yes we would want you to let us know and we will discuss what needs to take place to make you satisfied.

In todays world, credit is becoming increasingly more important than ever.  With lenders being more cautious than ever, you need an A+ credit score to get the best rates and deals.  That means that lenders judge your risk by the score they recieve from the credit bureaus more and more.

The bureaus rate people from a very risky 300 to a pristine 850. And right now, we are in the middle of a credit score crunch and You need a 750 or better today to have the same treatment you got with a 700 two years ago.  Some home mortgage lenders will look starting around a 640 and will inquire as to why there have been credit issues in your past and if they can see that within the last 2 years you have consistantly paid on time.

And just two years ago a 680 was enough to get a great car loan rate. Today it's often the minimum to qualify at all.

Lenders are always making changes that could cause your score to slip from excellent to average, remember they make more when they can charge you higher rates!!

So improve and protect your number with our help and these pointers.

Learn Your Score. You have three FICO scores, based on your credit reports at the three credit bureaus: Experian, Equifax, and TransUnion. The numbers tend to be similiar, so plan on spending up to $16 to get score at myfico.com. You can get an estimate free at Creditkarma.com. But the FICO score gives you a better sense of what lenders see and can be found at myfico.com.

Scout for Mistakes. Your scores are only as good as the information they're based on. And a third of people who've pulled their reports have found errors. That's  a good enough reason to want to read your report.

You can also get a credit report from  annualcreditreport.com (you're entitled to one free from each bureau every 12 months).

Spot an error? Request a correction. Let's say the size of a credit line was misstated or an account was mistakenly marked delinquent. Getting the error fixed could raise your score as much as 200 points.

Never, Ever Be Late.  The biggest chunk of your credit score comes from your payment history. Just one late payment can shave 100 points off a 750-plus credit score. Lenders can't turn you into the bureaus until you're 30 days past due. But don't risk it.  You should really keep a monthly calendar with bills listed so that you can see at a glance what is coming up.

Missed a payment? Get back on track within the next 30 days, and you should "get back the lion's share" of points lost. More than 90 days late? The damage can stick for years.

Remember the Magic 20%. The second factor in your score is how much you owe vs. how much credit has been extended to you. This is the part of your total card balances compared with your total credit limits, as well as each card's balance relative to its limit.

Our mission is to help you, our clients, customers and employees with the latest and greatest information available to restore your credit and to help you dispute items in your credit that are incorrect, incomplete, inaccurate and erroneous and  that are dragging your credit scores down. Can we make a difference, absolutely. For over 8 years and 100’s of clients, from small town business to nationally known credit restoration company, our service is #1 and our loyalty to you is 100%.