Welcome To Complete Credit Education

Helpful tips and tools

Inaccurate Personal Information

A misspelled name, or a middle initial left out, can lead to problems on your credit report. For example, simple errors like this can make it so another person’s credit history is mistakenly placed on your report. To avoid these errors, make sure all your personal information is accurate and complete: social security number, full name, work history, current address, etc. 

Identity Theft

Identity theft is when someone uses your social security number, name, and other information to fraudulently open an account. It can damage more than your credit; identity theft can potentially hit your finances hard, especially if you don’t notice it for a long time. 

Outdated Information

Legitimate items on your credit report that lower your score (such as missed payments or delinquent accounts) are supposed to be removed by the credit bureau after 7 years. Sometimes they get left on by mistake, and continue to do damage to your score.

Accounts Incorrectly Labeled “Closed by Lender”

Closed accounts labeled “closed by lender” or “closed by granter” reflect poorer on your credit than ones you closed yourself. Check all your closed accounts to make sure they’re accurately labeled.

DIY credit repair can be time consuming and frustrating; an experienced credit repair company can potentially save you a lot of heartache when it comes to your credit score. Of course, no credit repair company can remove legitimate items from your credit report. 

The Big News

We're excited to announce that Complete and Total Care™ has opened a new location in Winder, Ga. We are excited about our growth and hope to meet our new Georgia customers.

We help clients remove millions of unfair, inaccurate and unsubstantiated negative items, including:

  • Collections
  • Charge Offs
  • Bankruptcies
  • Foreclosures
  • Late Payments
  • Liens
  • Judgments
  • Repossessions


Here Is our process

Here's How Complete and Total Care™ Improves Your Credit

Steps to good credit

Step 1: Always pay your bills on time.

  Paying bills on time seems like a no brainer but in reality it is very easy for consumers to fall behind on payment schedules. Consumers with bills should mark calendars and take other precautions to ensure bills are paid on time. This is one of the most important steps towards strong credit.

Step 2: Maintain a balance to available credit ratio around 25%.

  Using only 25% of your available credit shows that you use credit wisely and can help ensure you do not get in over your head. Keeping this simple rule can help avoid massive headaches down the road and potentially save you money. 

Step 3: Pay more than the minimum monthly payment.

By paying more than the minimum, you help reduce the principle balance, paying off your debt faster. This cannot only help you from acquiring a large amount of debt, but can also help save you money in the long run.

Step 4: Review Your Credit Report Annually

About one in four credit reports have errors. Either a payment on a loan amount has not been recorded correctly or another billing company has posted incorrect non-payment information to your account.

Step 5: Do not apply for new lines of credit in a short amount of time.

When you apply for new lines of credit, the potential creditor inquiries are recorded on your credit report. Having several inquiries on your report over a short amount of time may indicate to any potential lenders that you are having financial problems.

Step 6: Pay off your debt rather than transferring it.

Multiple debt transfers can negatively affect your credit because it puts new accounts on your credit report, and your credit history appears shorter due to the new accounts. Additionally, your balance to available credit ratio remains high.