THD Credit Consulting

You might be a prime candidate for credit repair, and not even know it.

Erik Kaplan

Erik Kaplan

Erik is the CEO and Founder of THD Credit Consulting

Have you been living with bad credit? Are you unsure of your credit standing but have a sneaking suspicion it’s not the best? Here are 5 signs you need credit repair:


You have a credit card balance

You typically make minimum payments and rarely pay attention to the overall balance. It’s easy to get stuck in this financial trap, and long-term debt can hurt your score. As your credit utilization ratio rises, so can your credit damage.

You were denied for a loan

Loan denial alerts you to a problem with your credit or your financial situation.  Use this opportunity to get the problem fixed. Your next step should be to take actions that will improve your credit score.

You occasionally forget to pay bills

Forgotten or late bills can send your credit score plummeting. You might think or hope that a small unpaid bill wouldn’t matter. Sadly, you’re probably wrong.

You have no credit history

If you’ve never had credit and don’t have a credit score, that doesn’t mean you have a zero credit score. You have the absence of a score: You’re “credit invisible.”  THD Credit can help you begin your journey of establishing your credit.

You don’t know your credit score

If you subscribe to the “out of sight, out of mind” mantra just know it isn’t sustainable when it comes to credit health. This magical number says a lot about your credit worthiness. It can either save you money or cost you money. Keeping track of your scores is essential to the process of repair and maintenance.

Realizing you need credit repair is not a negative.  In fact, consider the benefits and how it will positively impact your financial health in the future.


-Erik Kaplan
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