Cactus Credit is a Canada-based finance company that provides credit repair services to improve customers’ credit profiles. Cactus Credit and its team of experts leverage over 12 years of experience in the financial industry. The team of professionals have developed a proven credit repair system, helping clients understand what bad credit means and how to change it.

While credit scores might range from 300 to 850, different lenders consider bad scores differently. In general, however, consumers who have scores under 620 are considered “risky.” If a person has a bad credit score, it means that they are not the best candidate to have extended credit.

Customers can start upgrading their credit scores on their own, but it takes time. People who have lower credit scores can start with simple actions like making on-time payments of their bills, checking their score regularly, and applying for credit in just a few specific circumstances. The easiest way to upgrade one’s credit score, though, is by hiring a credit repair company. They take care of the time-consuming credit report research and debt negotiation.