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Why Your Credit Score Matters

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The Value of Good Credit

Having a good credit score can save you thousands, even tens of thousands of dollars, on your largest financial purchases. Good credit truly is the gift that keeps on giving. But don’t just take our word for it! Scroll down to see the very real savings that good credit can give you.

Buying a Home

Purchasing a home is probably the largest purchase you will ever make in your life. Your credit score will determine not only if you qualify for a home mortgage but also how much you pay in interest. Consider this. If you had a credit score of 760 vs. a score of 620, you could save over $140 a month on your mortgage payment as a result of a lower interest rate. Over 30 years that $140 a month equals a total savings of over $60,000!

Purchasing a Car

Your credit score determines how much you pay in interest for a car loan and can dramatically impact how much you pay over the life of the loan. An applicant with a 600 credit score qualifies for a much higher interest rate on a car loan than an individual with a 700 credit score. Over the course of the loan that equals thousands of dollars in additional interest payments for the exact same car!

Credit Cards

When you don’t have a high credit score it’s nearly impossible to qualify for a credit card. Often your only option is to apply for a secured card where you have to deposit the money down for the card. So if you want a secured card with a $500 limit you have to put down a deposit of $500. With a good credit score you can be automatically qualified for a card with a $5,000 limit, if not higher, and no cash deposit is required.


Insurance Rates

Insurance companies use your credit score as part of the process of understanding your risk to them as a insurance provider. The higher your credit score the lower your insurance rate. Insurance companies believe that a high credit score means you are an less risky individual. As a result your insurance premium goes down and you save money every month.

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Our Money Back Guarantee

Why We Offer a Money Back Guarantee?

Because it is the right thing to do. We are passionate about helping our members achieve their dreams and then telling their friends and family how it happened. Sadly, we are not able to help everyone that comes our way do to some extenuating circumstances. When that happens we promptly issue a full refund for any fees paid to Option One Reporting Solutions by you. At Option One Reporting Solutions each and every team member is a renter or was a renter and used our service to buy a home. We understand the challenges many of you face and are here to help you succeed. In order to receive a refund we must see at least 2 credit reports with no change in score.

Read our cancellation and refund policy.

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About Us

 Option One Reporting Solutions, LLC  was founded on the belief that everyone should be able to build their credit score without having to go into debt. We are committed to providing an easy, simple service for renters to add their rental payments to their credit report, improve their credit score, and reach their financial goals. Also assists landlords in reporting late rents.

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