Is It True or Is It A Myth?

Myth 4

If I build enough good credit, it will offset my bad credit and make me credit worthy.

The slightest amount of bad credit is devastating to your chances of being approved by a creditor. The approval is almost always never in the hands of a human sitting at a desk across from you. An approval is derived from a computer achieving a “point” total. Generally, even the slightest amount of negative credit (regardless of the amount of good credit) will result in a declination.

Do You Have A Question About Credit?    Call Us!

Bill Spragg at 281 804 3333 or

Harry Bradley at 713 419 7151 or

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