What is a Beacon or FICO score? How is it used by creditors to determine your credit worthiness?
Fair Isaac Company created the Beacon FICO score which is the most commonly used rating to determine credit worthiness and financial strength. Your credit score is the number one criteria used to determine what interest rate you will be charged on your mortgages, loans,
and credit cards. It is calculated based upon the information available in your credit report. Your credit report is used to determine your eligibility to receive credit, along with other strategic information that each creditor analyzes to determine your risk as a borrower. Your
financial health depends on obtaining and maintaining good credit. It is a good idea to periodically check your credit report to verify your rating and to insure that no one is fraudulently using your name and social security to get credit.
Beacon FICO scores range from the lowest of 350 to the highest of 850. Generally speaking, a credit score below 620 is an indication of a more risky situation. When the socres drop below that level, you will see higher interest rates, stiffer terms, and more rejections of credit applications.
Debt relief through credit counseling and a debt consolidation loan is a way to increase your credit rating. At Credit Capital Solutions, a licensed and bonded company, we provide credit repair, a well as loan modification services. Through our unique business model and our long history of experience, we are very successful in assisting clients to repair their credit score.
Contact us for a free, private, and discreet consultation…many individuals have moderate to severe credit problems…especially in this economy. Be proactive…we can help…we can Empower you!

Being an entrepreneur has given me a deep appreciation for individuals who are success oriented and never give up. The drive to always “push through” is a trait of successful people.
I have been fortunate to associate myself with many successful individuals over my life. It began with my father who instilled in me the ability to step outside of the box…to create something out of nothing. He taught me the importance of integrity in business...traits that I have incorporated into the various business models I employ.
I spent the first ten years of my career in the medical field. I worked side by side with amazing individuals who put their own self-interests aside in order to nurture others back to good health. Many times I witnessed life and death situations. It was always humbling to experience the team-work that evolved around trying to save a lives.
As my career path evolved into the business world, not only could I bring those experiences into my persona, I saw a need to spread information…real information for real situations. A close friend of mine began to mentor me in aspects of blogging. He has given me incredible insight into how a blog should be developed…how to focus my passion for helping mentor people to becoming successful entrepreneurs. This passion for mentoring others began when I was a young child and continues today. It is not about me, but rather those who have influenced my life.
I am a work-out addict and a real “ski dog”. Sorry guys and gals…I do not “ride”. I live for deep powder and steep chutes. I love the feeling of looking over the edge of a steep run…feel my heart beat faster with that adrenaline rush and then “jump in”. I love golf…but I always wonder if I will ever break 100…lol! Most of all, I love my wonderful family…they are the best! Thanks for stopping by and I hope you feel empowered today.
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Martin Casper
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