Our Services.
Imperial Funding Group helps you repair your credit, build a strong financial profile, and prepare for high‑limit personal and business funding. We focus on removing negative items, improving score factors, adding positive accounts, and structuring your credit so lenders see you as a safe, qualified borrower. Our goal is to give you clarity, confidence, and a real path toward approvals.
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How credit scores work
Utilization
Payment history
Collections
Hard inquiries
Home buying
Auto loans
Business credit
Your credit score is a 3‑digit number that tells lenders how risky or safe you are. It’s based on payment
history, utilization, account age, credit mix, and inquiries. Higher scores unlock better rates, approvals,
and funding opportunities.
Utilization is the percentage of your credit card limits that you’re using.
Staying under 10–30% gives the best score results.
High utilization signals financial stress and can drop your score fast.
Lowering your balances is one of the quickest ways to boost credit.
Payment history is the most important part of your credit score. One late payment can drop your score
50–120 points. Consistent on‑time payments build long‑term credit strength.
Collections happen when a debt goes unpaid and is sold to a collection agency. They damage your
score heavily but can often be removed, disputed, or settled depending on the situation.
Hard inquiries occur when lenders pull your credit for approval. Too many inquiries in a short time can
lower your score and signal risk. They stay on your report for 2 years.
How long does credit repair take?
Most clients see significant file optimization and credit reconstruction in under a year.
Can you guarantee results?
No company can legally guarantee scores. We focus on aggressive, compliant deletion.
How often will I receive updates?
We send progress updates to you weekly.
What documents do I need?
To begin your audit, you will need to provide a valid government-issued ID, proof of address (such as a utility bill), and your login credentials for your credit monitoring reports.
Can I cancel?
Yes, absolutely. You can cancel your service at any time with no hidden fees.
