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Credit Repair

We’ve all been discouraged before when checking our credit score. And having a low credit score can prevent us from taking many necessary next steps in life, like buying a car, getting a loan, or buying a home. But a bad credit score doesn’t have to ruin your life. The professionals at Rugaba Holdings LLC have years of experience in helping customers improve their credit scores by fixing areas of their financial or personal life that may be affecting their negative credit score.

What is a credit score?

Essentially, a credit score is your credit history summarized as a number, a three-digit number to be exact. This number is what lenders utilize to help them determine how likely they’ll be repaid on time if they choose to approve you of a credit card or loan. This is an important factor in your financial life. The higher your score is, the more likely you will be to get approved for loans and credit cards at the most favorable terms. The better your credit score, the lower interest rate you will be charged. The lower your credit score, the higher the interest rate you will be charged. Your credit score can also play a role in the car insurance premiums you pay. In addition, having bad credit can also sometimes make it difficult to find a job or a place to live.

Is it possible to improve my credit score?

If your credit score isn’t exactly where you’d like it to be in a perfect world, trust that you are not alone. Many Americans struggle with low credit scores every year. Improving your credit score does not happen overnight, but the sooner you take steps to fix your credit score, the faster your credit score will improve. There are steps you can take to improve your credit score. Some of these steps include paying your bills on time, paying down your debt as much as you can, limiting the new lines of credit you apply for or open, clear up any collection accounts, fix any outstanding late payments, create a plan to improve your credit score, and hiring the help of professionals who are experienced in helping people improve their credit scores, like the experts at Rugaba Holdings LLC.

Your Credit Score and FICO

When you hear people talk about their credit scores, they’re usually referring to FICO, which rates individual’s credit scores based on several factors, including bill payment history, debt owed, credit history length, and types of credit you’re currently using. Your credit score will range from 300 to 850, with 300 being bad and 800 being excellent. FICO scores are calculated via a mathematical equation that evaluates multiple types of information from credit reports at three major credit bureaus – Equifax, Experian, and TransUnion.

Why your credit score matters

Credit scores are important because it’s your credit score that tells potential lenders how much of a potential credit risk you might be. Based on your credit score, they will decide not only whether they offer you credit, but also how much of an interest rate they will charge. Raising your credit score is an automatic way for you to keep more money in your pocket when taking out a loan.

Improving your credit score

Many people will fall into negative credit score range due to a variety of things, with job loss and illness being two of the main reasons that people fall behind on loan or credit card payments. If you miss payments or have late payments, this will lower your credit score. However, you can still get back on track by making regular payments as soon as you’re able. Your recent activity is more of a factor when determining your credit score, meaning your score won’t be bad for forever. If you’re having trouble making the minimum payments, you can try to contact your credit card company or other creditors and negotiate either a lower interest rate or lower monthly payment. This would lead to more manageable bills and a better chance of maintaining those regular payments that will improve your credit score.

Paying off your debt

Paying off your debt is not an easy task to accomplish, but it’s an excellent way to raise your credit score and lower the interest you pay. If you can, set up automatic payments from your bank account to your credit card or loan bill so that you ensure you don’t miss any payments, which could again negatively impact your credit score.

Get help from the professionals

According to and CNNMoney, all it takes is one negative item on your credit score to lower your score over 100 points. While we can’t promise that we’ll be able to automatically increase your credit score by 100 points, we can help you with removing negative items from your credit report and help improve your credit standing. We can make it easier for you to obtain a mortgage, car loan, credit card, or insurance. Properly managing your debt is one of the many ways you can lower your expenses and make the most of your money. If you are attempting to get out of debt, and have not had any luck yet, or if there’s another aspect of your financial life that needs help getting on track, a professional accounting company like Rugaba Holdings LLC can help. Our experienced accountants are trained in helping you fix items on your credit report in the fastest and most effective way possible.


The professionals at Rugaba Holdings LLC are experienced in helping you repair your credit score. We will assess your total debt situation, review your credit score and credit history, and determine the best plan of action to help you improve your credit score. We can also speak with the creditors on your behalf to hopefully negotiate either a lower interest rate or lower monthly payment for you. Before your credit score dips any lower, call us today for a free consultation at (818) 442-9724.

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