The Cost of Less Than Perfect Credit

The cost of having "Less than Perfect Credit" affects consumers all over the United States in so many different ways.  As a result, these damaging mistakes can have a life long affect on an individual in many different areas of their life.  S.O.S. - Score Optimization Systems dedicates its efforts to providing positive solutions for those with less than perfect credit while aiming our sites on educating all in making their credit rating work for them.  Our goal is to establish and maintain a lifetime relationship with all our clients. 

What does having less than perfect credit cost me per year?

If you have adverse information in your personal credit file, that information could be costing you thousands of dollars per year in interest overcharges on your home, vehicles, credit cards, and any other types of interest bearing loans.  Less than perfect credit may also be causing you to pay higher insurance premiums, contribute to you being denied by a job, and even prohibit you from providing for your family's future by not having the available funds to plan for your retirement or children's college education.

How can S.O.S. - Score Optimization Systems help me?


Through our consulting and score optimization services, S.O.S. - Score Optimization Systems will
identify all the information, both positive and negative, contained within your personal credit files held by the three major credit reporting agencies:  Experian, Equifax (CSC Credit Services) and Trans Union.  We will then inform you of your current credit rating and what that rating is costing you in interest overcharges, not to mention higher insurance premiums.  Finally, we will assist you in taking the first step in changing your life by assisting you in establishing a better credit rating.  In addition, we will also show you how to utilize the money you may save in interest overcharges to work for you in turning all your dreams into realistic goals as you start to truly plan for you and your family's future.

Look at the first box on the top, left hand side of the worksheet:  This is where we summarize the adversse information reported to our client's credit files that is affecting their credit rating, purchasing power and costing them thousands of dollars per year in interest overcharges.

Monthly and Yearly Rent:  This is an example of the dollar amount that consumers are throwing away monthly and yearly in rent charges they could be investing in their home while also enjoying a yearly tax deduction based on the amount of interest they are paying on their home yearly.

Future House:  This is an example of the money consumers are throwing away monthly, yearly and over the term of their note in interest overcharges incurred due to having a less than perfect rating.

Current Auto:  This is an example of the money consumers are throwing away in interest overcharges on their financed vehicles due to adverse information contained within their credit files.  Can bad credit really cost me almost SEVEN THOUSAND DOLLARS in interest overcharges over five years when only financing $18,000.00?  YES!