We're Here To Help You!

Are you looking to purchase a new home or perhaps your dream car? Do you need to refinance or lower your current interest rates? Unfortunately, your credit score could be standing in the way of you getting lower payments. That's where Credit Sense can help you. Complete the pre-qualification process and then schedule a FREE consultation!

GET PREQUALIFIED

We can help you!

Credit Sense Credit Repair will help you remove errors and inaccurate information on your credit report. You will see a boost in your score that could result in paying a lower interest rate.

CLEAN UP YOUR REPORT

AND INCREASE YOUR SCORE!

Our Mission

Credit Sense Credit Repair strives to educate consumers that lack understanding of the principles of credit. We seek to empower people to:



  • Have a better understanding of credit
  • Know how credit is beneficial
  • Shift their thinking in regards to money
  • Maintain a positive credit score
  • Making credit work for them


Our mission is to educate those that were not taught, misinformed or just did not focus on their credit to become better stewards over their finances. This is done by creating healthy spending habits, saving money and investing in their future and the future generations to come.

Credit Sense Services

Credit Report Review

Let us help you obtain a better understanding of your credit report, credit history, credit score, and show you how to improve your creditworthiness.

Credit Repair

We carefully analyze your credit report. We dispute and challenge unfair marks on your credit. CreditSense works on your behalf to raise your scores.

Credit Monitoring

Through a third-party affiliate, CreditSense helps monitor the scores submitted by the credit bureaus to ensure that only accurate and up-to-date information is reflected.

Credit Counseling

We find ways for you to reduce interest rates, pay off loans and unsecure debt in a timely manner - which helps raise your credit scores.

Budget Coaching

Your credit worthiness is often based on your debt-to-income ratio. CreditSense will help you budget your money to increase your scores.

Tools & Education

We offer various classes and resources that will provide the tools you need to increase your scores and maintain a healthy financial lifestyle.

It's All About The Numbers

Your credit score paints a picture of risk with creditors. Lenders, insurers and even employers will make judgments and decisions based on those three numbers. Car loans, mortgages and credit card rates all cost more when you have a subprime credit score. This puts additional strain on your budget.

Bad Credit

Fair Credit

Good Credit

Excellent Credit

FAQ

  • Why should I trust CreditSense to repair my credit?

    CreditSense Credit Repair is a company built on integrity, honesty and transparency. Your credit and financial future is important to us. We take pride in providing superior customer service and services that will fit your needs while maintaining an honest dialog with our customers. We encourage you to read the customer testimonials. You can - and will - become a friend of our business too!

  • What happens if I miss a payment?

    We try to educate our customers in taking responsibility for the debts they incur. If you suffer a financial problem, and your automatic debit is not honored by your bank, get in contact with us to make a payment arrangement. If you fail to do so, CreditSense will continue to try to debit your account (up to three times). If you have not made arrangements, all work on your account will cease, and $20 per attempt will be charged to your account. These penalties will need to be honored before resumption of your monthly commitment with us. All account arrearage needs to be paid in full prior to continuation of services.

  • If I cancel early, what will happen to the work you have started?

    Financial problems come in several forms. If you cannot make a payment or need to cancel because of financial strain, what we have started for you will remain in place. If you still need our services, you can always re-enroll. If you re-enroll within 90 days of cancellation, there will be no additional enrollment fees. Simply resume the monthly commitment and services will be reinstated.

  • How often should I pull my credit report?

    When you are enrolled for our services, you have already signed up for a monitoring service. During this time we suggest that you only pull your credit report (or apply for credit) when making a major purchase (auto or home). Be sure to contact your Credit Counselor with any questions.

  • Can a bankruptcy be removed from my credit report?

    The short answer is: if the information is accurate, then no. However, frequently, the information is not reported correctly. We have ways of fixing that. While we cannot guarantee it, we will work diligently to make corrections that are warranted in all situations - including bankruptcies.

4 Tips To Improve Your Credit

4 Tips To Improve

Your Credit Score

Focusing on these actions will help your credit scores improve over time.

Pay Bills On Time

Consistent on time payments are important.

Learn More

Keep Balances Low

Never max out credit accounts.

Learn More

Manage Credit Accounts

Pay close attention to credit utilization.

Learn More

Pay Off Debt and Keep Balances Low on Credit Cards and Other Revolving Credit

The credit utilization ratio is another important number in credit score calculations. It is calculated by adding all your credit card balances at any given time and dividing that amount by your total credit limit. For example, if you typically charge about $2,000 each month and your total credit limit across all your cards is $10,000, your utilization ratio is 20%.


To figure out your average credit utilization ratio, look at all your credit card statements from the last 12 months. Add the statement balances for each month across all your cards and divide by 12. That's how much credit you use on average each month. Lenders typically like to see low ratios of 30% or less, and people with the best credit scores often have very low credit utilization ratios. A low credit utilization ratio tells lenders you haven't maxed out your credit cards and likely know how to manage credit well. You can positively influence your credit utilization ratio by:


  • Paying off debt and keeping credit card balances low
  • Becoming an authorized user on another person's account

Manage Your Credit Accounts

Don't open accounts just to have a better credit mix—it probably won't improve your credit score. Unnecessary credit can harm your credit score in multiple ways, from creating too many hard inquiries on your credit report to tempting you to overspend and accumulate debt.


Opening a new credit card can increase your overall credit limit, but the act of applying for credit creates a hard inquiry on your credit report. Too many hard inquiries can negatively impact your credit score, though this effect will fade over time. Hard inquiries remain on your credit report for two years.


Keeping unused credit cards open—as long as they're not costing you money in annual fees—is a smart strategy, because closing an account may increase your credit utilization ratio. Owing the same amount but having fewer open accounts may lower your credit scores.

Dispute Credit Report Inaccuracies

You should check your credit reports at all three credit reporting bureaus (TransUnion, Equifax, and Experian) for any inaccuracies. Incorrect information on your credit reports could drag your scores down. Verify that the accounts listed on your reports are correct. If you see errors, dispute the information and get it corrected right away.


If you simply don't have a credit score because you have little experience or history with credit, you likely have a thin credit file. That means you have few (if any) credit accounts listed on your credit reports, typically one to four. Generally, a thin file means a bank or lender is unable to calculate a credit score because there is not enough information in a user's credit history to do so.



There are things you can do to fatten up your thin credit file, such as applying for a secured credit card, becoming an authorized user on someone else's credit card or taking out a credit builder loan.

Client Testimonials

EBONIE

North Kansas City, MO

"The information they shared allowed me to increase my credit score 50 points within a few weeks."

MALCOLM

North Kansas City, MO

“The service is friendly and the results are always of the highest quality. This is the best company I have ever worked with.” 

CAROLYN

Clinton, MO

“The first time I tried this company, I was hooked. Everything was so fabulous and easy. I’ll never go back to anyone else.”

How Can We Help?

When consumers have made poor financial choices and damaged their credit score, they are on their own to fix it. There is no federal bailout or fund that will rescue them. That's where Credit Sense comes in. We can assist you with reestablishing your credit health, and give you the tools you need to maintain a great credit rating.

Contact us today for more information. We are ready to assist you with increasing your credit score. Call now - it only makes sense!

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We'll start you on the path to financial freedom!
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