OmniVista Group has been helping people restore their credit for over 8 years. Our background for the pasted 18 years is in Residential Real Estate and Mortgage Loans. We are State license in both the Real Estate and Mortgage Business. Approved by The Texas Real Estate Commission as a MCE Mandatory Continuing Education instructor, teaching "The Law and The Process on Consumer Credit".

Yes! Credit Education is the heart of our program. You will receive the following: Credit Education Vol-1 Understanding Your Credit Score, Vol-2 Budget Planning & Basic Money Management and Vol-3 How to Build Your Credit. We are available by phone during regular business hours (CST) for your specific credit questions, i.e. What to do, but in many cases and more importantly what not to do.

Yes, our system will allow you to check the status of your credit repair process 24 hours a day, 7 days a week with just ONE CLICK!

We will submit your disputes to all three main Credit Bureaus, Equifax, Experian and TransUnion. Additionally, we will submit them to creditors as appropriate.

Yes, you will get a refund if we do not help you improve your credit rating by identifing and removing any inaccurate, erroneous or obsolete information from your credit reports. We also will show you how to add good credit to your credit profile. (see Our Guarantee)

Remember lenders cannot tell how much you earn from your credit report. But they can tell if you have "maxed out" your credit card limits. Maxing out your credit is a sign of potential financial problems and implies that you may be spending more money than you make. High credit limits affect your score by 30%. Keep your credit card balance 75% or less of your credit limit. If you have two credit cards "maxed out" at $5,000 each, and you get offered a $20,000 credit card, it might be better to transfer balances onto the $20,000 card. Beware! Do not max out this credit card!

Approximately 10% of your score is based on the mix of accounts you have, and how many. This is usually not a key factor in determining your score but it will be if your credit report lacks enough credit history for the lender to make a decision. Apply for only credit cards you need and will use. Don't open accounts just to have a good mix; it probably won't increase your score. Often times, when profiling a credit applicant a lender might consider finance companies on a credit report as warning sign, especially if there aren't any major bank accounts being reported.

Length of history affects approximately 15% of your score. Generally, the longer a credit history the higher your score. The FICO score considers both the age of your oldest account and an average age of all your accounts. Be aware that old accounts can help increase your score but too much available credit in those accounts can decrease your score. Closing unused credit accounts with a zero balance and in good standing will not improve your score.

Ah… if we only knew! Actually, there isn't an actual cutoff score that says, "Awesome!" Rather, there is a range used by lenders to determine a particular lending decision. For instance, one auto lender may offer lower interest rates to people with FICO scores above 680; another lender may use 720 and so on. Lenders all have different criteria that they use for certain credit products. If you have a score over 800 you are one of approximately 10% of US consumers who have a score similar to yours.