Credit Scores are always a point of concern when it comes time to get pre-approved. If there is one thing to absolutely never do: pay a company to “fix your credit score.” It is not possible to change or erase true information from your credit report no matter what they tell you. In fact, these companies can actually hurt your credit score through consolidating your debts and paying a lower payment than is due. We can run your credit and get you advice from the experts at the Credit Bureau to increase your score. So, no Consumer Counseling Companies or Credit Repair Companies! And remember, for most loan programs, you only need a 620 score.