Getting a Loan is Harder Than Ever

This may be the best time in the history of the recreational vehicle industry to purchase a recreational vehicle or boat. You can get a great deal right now, but the problem is, since the economy took a turn for the worse and the banking industry and bailout crisis, recreational vehicle lending is more difficult to come by. Four years ago if you had a credit score of a 680 or above you could easily obtain financing, but now most lenders will not even consider you if your credit score is not a 720 or higher.

Our Commitment to Education

Our team is fully committed to helping you understand the FICO model.  We will educate you as to how financial decisions can have a positive or negative impact on your credit scores.  Understanding the variables that make up your credit scores is crucial to the maximization of your scores.

The FICO Model

The algorithms used to calculate your credit scores consider many factors before arriving at a numeric score.  There are five major areas and each area holds a different level of weight, both positive and negative, on your credit score.

  • Payment History 35% 35%
  • Amounts Owed 30% 30%
  • Length of Credit History 15% 15%
  • Types of Credit 10% 10%
  • New Credit 10% 10%

My husband and I applied for a boat loan and we were declined because of 12 points. RV Credit Repair helped us get over the hurdle, gain the points and buy the boat of our dreams. Highly recommended!

Debra Harding

My family needed a new horse trailer for our ranch.  RV Credit Repair was amazing and they helped us get the credit scores we needed to take out a loan for the new trailer.  Thanks guys.

David Perish

Lets Get You Heading in the Right Direction

We would love to help you achieve your financial goals.  Let us walk you through a full, in-depth analysis and consultation to show you where we can help you.  Regardless of your credit score, we can help you!