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Super Team

Don't Be Embarrassed by Bad Credit Again! We can help you.
Have you ever experienced any of the following?

  • Being Denied Credit? Paying a higher interest rate because of your credit?                                           
  • Embarrassed because you cannot obtain credit?
  • Increased Stress because of your credit?
  • Embarrassing collection phone calls at work or home?
  • Thought that there was no solution to your credit problems?

If you answered yes to any of the above, then Three Rivers Financial Solutions, Inc. could be the solution you have been looking for.  Three Rivers Financial Solutions, Inc. is a full service credit organization that handles credit repair, bankruptcy recovery, debt negotiations and credit planning.

Under the Fair Credit Reporting Act, Three Rivers Financial Solutions, Inc. can dispute derogatory or negative items on your credit report. Pursuant to the Fair Credit Reporting Act, if an item on your credit report is incorrect, unverifiable, or incomplete, it must be removed from your credit report.

There are Several Factors that affect your Credit Score, some you may not even be aware of.

The following are five major categories the credit reporting agencies look at in determining your credit score.

Your Bill Payment History
Payment history is typically a significant factor. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report.

Your Credit History
An insufficient credit history may have an effect on your score, but that can be offset by other factors such as timely payments and low balances.

Your Outstanding Debt
If the amount you owe is close to your credit limit, it is likely to have a negative affect on your score.

Your Credit Application
Many scoring models consider whether you have applied for credit. If you applied for too many new accounts recently, that may negatively affect your score. However, not all inquiries are counted. Inquiries by creditors who are monitoring your accounts or looking at credit reports to make "pre-screened" credit offers are not counted.

Your Credit Accounts
Having excessive accounts will likely have a negative effect on your score.


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