Bad Credit Hurting You? What You Can Do About It!

Advertorial By Ron Freeman

At CreditWize we have one mission: To help as many people in our community as possible at a price people in our community can afford.  If you have $2500 to fix your credit, I can show you hundreds of companies online that will help you.  If you have $695 to fix your credit, there is us.  

I have lived in Oxnard my whole life, minus a stint on the East Coast to go to college. This is my community and I want to focus on helping people here.  At CreditWize we believe in giving back to the community.  We are proud to donate to several excellent community services that do wonderful work around Ventura County.

People ask me: “why credit repair”? It happens, that is a very good question.   Credit may be the most important, least understood aspect in our lives. Most people don’t know how many ways their credit score impacts their life.  Most people think credit scores are only important when making a big purchase like buying a house or car, but your credit score is used for far more things than the obvious.

Your Credit score can determine how much you will pay for auto insurance, health insurance, life insurance, what types of jobs you are qualified for, whether you can get a student loan for yourself or your kids, whether or not you can rent an apartment or even a car for a weekend get-a-way.  Your credit score determines whether or not you can obtain credit at all and if so, at what interest rate and credit limit.  The lower your credit score, the higher the interest rate you will pay and the more you will pay for goods you bought on credit.

Maintaining a high credit score isn’t as easy as paying your bills on time, although that is a big part of it.  There are many factors that go into creating a credit score.  Payment history is obvious, but some of the other factors are not, such as: how much total debt you have compared to the amount of credit you have, how long  you have had credit, how many open accounts you have, how often you apply for new credit, and what type of accounts you have.  Negative items, such as late payments, charge-offs, collections, liens, judgments, bankruptcies, and child support are the most common items that will lower your credit score.

Because so much of our lives revolve around credit, the credit bureaus have a mechanism for removing items on your credit report that are there as a result of fraud, mistake, inaccuracy, or are incomplete.  CreditWize will go through your credit report line-by-line, find those items that are hurting your credit score and have the credit bureaus remove those items.  Everybody is entitled to an accurate, complete, mistake-free credit report.

Without doubt, the most rewarding day for me at CreditWize was the day a young couple I had been working with for a few months walked into my office with tears in their eyes.  I greeted them at the door and the young lady wrapped her arms around me and started hugging me.  At the same time, her husband grabbed my hand and started shaking it vigorously.   They told me they had just gotten the keys to their new house.  They explained to me they had grown-up in section 8 housing in Oxnard and hung out in the drug and gang infested playground at the housing project.  They told me that the advice they got from their parents when they got engaged was to hurry up and apply for their own section 8 housing so they could raise a family of their own.  They went on to say that because we fixed their credit, they were able to purchase a home with a backyard so their kids would have a swing and a dog and most importantly a safe place to hang out.  They also said one other thing that even now I can’t stop thinking about.  They said I broke the cycle of welfare in their family.  They expect because their kids are now going to grow up in a house with a backyard, that they will grow up and want to provide the same for their families; Section 8 will not even be in their vocabulary.

Credit Tips:

                     Make your payments on time.  

                     If you have to be late, just make sure it is not over 30 days late.

                     Only apply for new credit 4 times per year.

                     Try to keep your balances below 30% of your total limits.

                     Use autopay on all of your credit accounts.

                     Never close an open credit account.

                     It is best to have zero balances- you don’t have to make monthly payments to build credit. 

Contact/Learn about us- Do it TODAY!:




[email protected]



300 S 5th St., Suite F, Oxnard, CA

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