The single most most important item that will lower your credit score is a recent late payment. I have seen credit scores sink a hundred points in one day (from 690 to 590) because payment on one account showed up as being 30 days late. And size does not matter! Even if you miss one measly $50 payment, your credit score will drop drastically.
"I am experiencing an incredible amount of success with my credit scores, thanks to your help and my persistence." - Aubrey, Cape Coral, FL
"Regis, thank you so much for your help, both in all you’ve done for us, as well as keeping up my confidence level. US Mortgage Express approved us for our mortgage yesterday." - Florence, Northport, FL
"I took your advice and went down there with my credit report and my book and let them look at the law -- and I walked out paid in full. Regis, you are the MAIN MAN." - Richard, Fort Myers, FL
