Many students have no credit and those who do have credit have low credit scores. This is due more to lack of credit than bad credit. Interesting statistics show however, that of students with a credit score higher than 600 points 80 percent are first and second year. Statistically the higher the education and the closer to graduation, the lower the credit score.

We at Zero Balance Financial aim to change this so that graduating students have higher scores and good credit upon graduation. We believe that working with graduates will result in them not likely experiencing the roller coaster of debt and delinquency as well as living paycheck to paycheck.

The 7 year myth is just that, a myth. Your accounts do not disappear from your credit report after 7 years. For argument sake, let's say they did. Why live for 7 years on cash; not being able to apply and be approved for anything? And after 7 years still having no credit?

If you have a credit score that is less than 680 you need to improve it. Zero Balance Financial specializes in credit score improvements in record times. Clients have come to us with low 500 scores and we have put them over 650 in less than 60 days. We do not cross the lines of ethics, morality or the law to do so. We do not erase your history nor do we flood the credit reporting agencies with useless papers challenging accounts that are accurate.

To see what we can do for you to increase your credit score, Call us now.

The cost of going to University costs a tremendous amount. Getting student loans is easy but paying them back is hard. I was worried about carring this kind of debt after graduation. I puchased "In School and In Debt" and now have a better understanding on how to graduate with little to no debt.

Thanks
Stephanie, Ottawa

"In School and In Debt" is a great book. I will be able to graduate with no debt."

Mitch, Edmonton, AB