We perform the most thorough Credit Report Analysis preventing you from having a good credit rating. Your FICO score is not just based on missing a payment or two. We all know Credit History counts. But it counts for 35% of the FICO score. Credit Usage, how much of your available credit are you using, accounts for 30%. The Length of Your Credit History, how far back does it go, counts for 15%. Credit Mix and New Credit account for 10% each. So achieving the highest score possible is not just a matter of handling one black mark. Other credit repair companies perform credit report analyses…The only expense for this service is the fee for the credit report paid to the credit agencies, which is $36 for an individual and $60 for couples. You are entitled to one free report per year from each credit bureau, and sometimes your bank will send one upom request, but one of these does not provide the full picture necessary to do a complete analysis and formulate a workable strategy to raise your overall score as high as possible.