Credit scores are based on different criteria contained in your credit file. This
criteria can be grouped into five categories as outlines below. The percentages in the chart
reflect the importance of the category in determining your score.
If You are Looking to
Improve Your
Credit Score
Eliminate Debt
Lower Your
Interest Rate
Re-Finance
Your Home
Buy a Home
Buy a car
Our Services
Welcome to FES™! Learn the necessary steps to improve and maintain your credit file. Our team of credit specialists are ready to help you understand your credit score and how it impacts the many aspects of your life, such as the interest rates you will pay on credit cards and mortgages, whether or not you will qualify for a loan, and other important decisions made by lenders. If you have been turned down for a mortgage or refinance loan due to past credit problems or if you are simply trying to get better interest rates in the future, there are always steps you can take to improve your credit score. Improving a low credit score may be hard work, but far from impossible. Every day people take steps to re-establish and improve their image in the eyes of lenders. So can you. Enroll today and let’s get started!