Finland Credit Refresh, a trusted credit repair company, is committed to provide effective solutions for credit restoration. Our credit repair specialists leverage proven expertise in filing credit disputes and in-depth knowledge of federal and state laws, to deliver effective solutions tailored to the financial dynamics of our clients. We collaborate with a multitude of referral partners, including real estate, banking and mortgage professionals, to help ensure sustainable good credit scores and history.

Maintaining a good credit score is indispensable to mortgage preparation. Financial institutions decide the interest rate of your loans, as well as the premium of your insurance policies, based on your credit score; the higher your credit score, the lower the interest rate on your mortgage.
Most mortgage lenders require that you maintain a minimum credit score of 640. Still, you can qualify with a lower score, based on some mitigating factors, such as purchasing a home in rural area, buying your first home, benefits for veterans, etc. The credit score is an indicator of your ability to meet your payment obligations in future. This is just one aspect of mortgage prep.

Role of Credit Score in Pre-approval of Auto Loans

You need a credit score of 620 or above in order to obtain a pre-approved auto loan. This, however, doesn’t imply that there are no options for those with a poor credit score. Numerous lenders are open to consider loan applicants with a low credit score; however, it is worth mentioning that the higher is your credit score, the lower will be the interest rates on your loans.

Your credit history affects your employment prospects. Any potential employer may ask for your credit report or run a credit check on you, and even though the information they are allowed to access is regulated under state laws, it is enough to help them screen your application. Employers can consider your credit report as an indicator of your work ethic.

Some employers view a person who is punctual in making monthly payments and paying off debts, free from tax liens and judgments, as more suitable for a job. On the other hand, a person who ignores the creditors, has several collection accounts, and is consistently late in making payments, is seen as rather reckless and prone to procrastination.


If you are seriously looking to improve/restore your credit, purchase your dream car or house, land your dream job, and/or close more mortgage and auto loan deals at work, then you need look no further than Finland Credit Refresh Consultants! We Can Help!

Correct Inaccurate & Misleading Personal Data on Your Credit Report

While the personal information reporting on your credit reports, such as your name, address, etc., may not affect your credit score as you may know it. it can still hurt you. How? Because individuals with certain patterns of data on their credit reports are grouped together by the credit bureaus and placed on what are called “score cards”. And ultimately, these score cards will determine how much weight is placed on other aspects of your credit score.
For example, if you have 10 or more addresses reporting on your credit report, then you will placed on a score card with others showing a
similiar pattern of multiple addresses on their credit reports. Your group’s score card may weigh more heavily on late payments, collections, and so forth.
Thus your credit score will be calculated more harshly than someone with only 1 or 2 addresses on their reports. This is why repairing inaccuracies to your Personal information is just as important as repairing any other inaccuracy that’s on your credit report. Here are the personal data items that we may be able to assist you with correcting:

  • Full Name
  • Social Security Number
  • Home Addresses
  • Telephone Numbers
  • Employers

Delete Inaccurate & Unverifiable Credit or Collection Account Info

Did you know that there are more than 26 parts of an account that all must be reporting 100% complete, accurate, and verifiable? If any of these 26 parts are inaccurate, unverifiable, misleading, obsolete, or even questionable, then you have the right to dispute the account. Our Consultants will complete a thorough audit of your credit report, closely examining all 26+ parts of each and every credit item that is reporting on your credit report We will review this information with you and customize a plan of attack based on our findings and consultation with you. The following includes the types of accounts that we can help you to correct and/or repair:

  • Credit Card Accounts
  • Retail Store Accounts
  • Personal Loans
  • Pay Day Loans
  • Student Loans and more…

Don’t be afraid to challenge the information reporting on your credit report. There are laws in place to support you and your suspicions. If you have any doubt that any of these items or the information reporting about these items are 100% correct, then you have the right to a challenge and our company is overly qualified to help you with that

Remove Inaccurate, Unverifiable, & Misleading Public Record Information

Public Record information such as bankruptcies, judgements,and so forth, can remain on your credit reports for up to 10 years. However, this does NOT mean that such data is reporting 100% accurately as the law says that it must be. It does NOT mean that such data is verifiable as the law says it must be. And it certainly does NOT mean that such inaccurate, unverifiable, and/or misleading data cannot be corrected and/or removed from your credit report in less than 7-10 years, if need be. We have helped our clients to correct many, many public record items on their credit reports. This is extremely important because public record data usually carries the most weight against your credit scores. And as a result of the hard work we put forth on behalf of our clients, we’ve been able to help them achieve credit score increases in excess of 100-200 points. Here arc some of the types of Public Record accounts that we have been able to successfully repair for our clients:

  • Bankruptcies
  • Judgments
  • Foreclosures
  • Short Sales
  • Evictions

Our Consultants have seen it all, heard it all, and done it all! If you are suffering from poor credit, then chances are we can help you. So let’s talk! Just click the link below to see if we would be a good fit for one another


Remove individual inquires negatively affecting your credit


120 Day Credit repair service

If you are not in a rush, this is the perfect option for you


90 Days Credit repair service

Great for clients with a little more time to spare


60 Day Credit repair service

Perfect for clients where time is of the essence


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