Improve your credit and Raise your credit score

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Frequently Asked Questions.

Do I get to keep the Credit Slab Tablet?

Yes, the Credit Slab Tablet is yours to keep!

What is on the Credit Slab Tablet?

The Credit Slab Tablet comes pre-loaded with the information and tools you need to take control of your credit. You can also download apps from the Google Play Store, watch movies, read books, and surf the internet.

How or when do I get my credit card?

Once you get your Credit Slab simply turn it on, pick your preferred card and complete the 3rd party application. The credit card company will handle all the rest for you. Typically, customers receive their credit cards within weeks.

Is the Credit Improvement System Guaranteed?

We guarantee that we will use our expert services, staff knowledge, the tools we provide you, as well as our 20 years of experience with credit issues to help your situation. We have an amazing track record and have dealt with almost every type of situation successfully. That said, it is impossible to guarantee a change in your credit due to the many different factors involved.

Can I return my Credit Slab Tablet?

Unfortunately, we can't accept returns or refunds of the Credit Slab Tablet or the Credit Slab Credit Improvement System. If the tablet is defective, it would be covered under the manufacturer's warranty subject to their terms and conditions.

Does the Credit Slab Tablet come with a warranty?

Yes. The Credit Slab Tablet comes with a manufacturer's warranty that covers the tablet for one year against the device becoming defective. This doesn't include damages caused by miss-use, like a screen crack from a dropped tablet. The manufacturer will verify the hardware is defective once returned.

Who are your typical clients?

Our customers are typical every day "people", individuals, and families who are struggling financially. Bad things happen to good people and there is help! We will try to work with everyone to improve your situation. Our program is affordable and custom tailored to each of our clients.

How do I know I will be approved?

Credit Slab works with large reputable lenders. We have various programs that offer guaranteed acceptable regardless of your credit history.

How do I get approved for your program?

The first step is to use our secure online application form. Our cutting edge program will adjudicate and let you know if you are approved. Most approvals happen within a few minutes!

Can I apply with a past bankruptcy or consumer proposal?

Yes! In certain circumstances, our credit professionals may suggest and tailor a Credit Slab Credit Improvement System specifically for you.

So what's in a credit report?

You may be surprised by the amount of personal financial data in your credit report. It contains information about every loan you've taken out in the last six years — whether you regularly pay on time, how much you owe, what your credit limit is on each account and a list of authorized credit grantors who have accessed your file.

Each of the accounts includes a notation that includes a letter and a number. The letter "R" refers to a revolving debt, while the letter "I" stands for an installment account. The numbers go from 0 (too new to rate) to 9 (bad debt or placed for collection or bankruptcy.) For a revolving account, an R1 rating is the notation to have. That means you pay your bills within 30 days, or "as agreed."

Any company that's thinking of granting you credit or providing you with a service that involves you receiving something before you pay for it (like phone service or a rental apartment) can get a copy of your credit report. Needless to say, they want to see lots of "Paid as agreed" notations in your file. And your credit report has a long history. Credit information (good and bad) remains on file for at least six years.

What's a credit score? And why is it so important?

A credit rating or score (also called a Beacon or a FICO score) is not part of a regular credit report. Basically, it's a mathematical formula that translates the data in the credit report into a three-digit number that lenders use to make credit decisions.

The numbers go from 300 to 900. The higher the number, the better. For example, a number of 750 to 799 is shared by 27 per cent of the population. Statistics show that only two per cent of the borrowers in this category will default on a loan or go bankrupt in the next two years. That means that anyone with this score is very likely to get that loan or mortgage they've applied for.

What are the cutoff points?

TransUnion says someone with a credit score below 650 may have trouble receiving new credit. Some mortgage lenders will want to see a minimum score of 680 to get the best interest rate.

The exact formula bureaus use to calculate credit scores is secret. Paying bills on time is clearly the key factor. But because lenders don't make any money off you if you pay your bills in full each month, people who carry a balance month-to-month (but who pay their minimum monthly balances on time) can be given a higher score than people who pay their amount due in full.

This isn't too surprising when you realize that credit bureaus are primarily funded by banks, lenders, and businesses, not by consumers.

What is a digital signature?

An digital/electronic signature — also known as an ‘e-signature‘ — is a simple and legally recognized way to indicate consent, approval and/or acceptance on a digital/electronic document or form. We allow our customers to elect the use of this function for their own personal convenience. To insure your security we will log your email, IP address and your signature.