Your Free Customized Debt Solution

What we offer you
Low Cost Solution LLC helps you get out of debt and on with your life.

We help you to find the right debt solution for your unsecured debt. If you answer the quick questions in our 2 minute Debt Evaluation you will receive a customized Debt Relief recommendation and get matched with approved Debt Relief company and receive your Free Consulting and NO OBLIGATION.

We will provide you with approved debt reduction companies that are licensed in your area, Better Business Bureau member and reputable. This will allow you to save time, money, and be able to find a solution that specifically meets your needs.

Your credit score (FICO) is made up of varying parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records and other factors which are formulated to produce a three-digit score between about 300 and 950. Usually a lender will use a combination of your credit score with other factors when determining the bottom line: a borrower's potential risk:

Navigate items are the black marks on your credit report that can hurt your credit score. Navigate items can include late payments, Judgments, Tax liens, Collection or Bankruptcies.

Your score determines not only if a lender is willing to lend you money, but your interest rate as well. The only proven way to lower your interest rate is to raise your credit score! In order to do that you can dispute our navigate items and have those that are unverified removed.

Interest rates, lenders typically offer consumers based on FICO score: 750-850 5.5%, 700-749 6.0%, 650-6996.5%, 600-649 7.5%, 550-559 8.5%, 500-549 9.5%.

Percentage of Americans with FICO score: 750-850 28%, 700-749 21%, 650-699 16%, 600-649 12%, 550-559 9% and 500-549 5%.

Whenever you apply for any type of credit or financing, a credit report is pulled from at least one of the three major credit bureaus: Experain, Trans Union, or Equifax.

The credit bureaus receive your personal information through the same lenders who grant you credit. If you make a payment late, the negative credit listing is quickly reported to at least one of the three major credit bureaus and is added to your credit history. Credit reports are not just a record of how you are currently managing your credit accounts. Credit reports are histories of everything you are doing with your credit now and everything you have done in the past.

The credit bureaus collect this information; list it in your credit report from any of the credit bureaus free if you have been denied credit. Otherwise, you will have to pay a small fee to obtain a copy.

The Fair Credit Reporting Act (FCRA) requires that most negative credit items be deleted from your credit bureau life in no more than 10 years. These are the time limits for reporting negative credit. The creditor or the credit bureau can choose to have the negative credit information deleted whenever they please. Inquires may remain on the credit report for up two years.

Even one small late pay listing may result in credit details. Any negative credit can become a substantial credit obstacle.