Welcome to Premisien

Navigating Personal Credit for a Brighter Financial Future

At Premisien, we understand the pivotal role that personal credit plays in shaping your financial opportunities. Our mission is to provide you with the knowledge and guidance you need to take control of your credit health and pave the way for a secure financial future. Our comprehensive 3-phase credit counseling process is designed to empower you to improve your FICO score, and it all begins with understanding the factors that underpin your creditworthiness.

The Five Factors That Drive Your FICO Score

Your FICO score, a credit scoring model developed by the Fair Isaac Corporation, is a vital tool used by lenders to assess your credit risk. This score is determined by five core factors:


Timely payments demonstrate your reliability as a borrower. We guide you in understanding the importance of consistent on-time payments and assist in rectifying any negative marks on your payment history.


Maintaining a low credit utilization ratio – the amount of credit you use compared to your available credit – is crucial. We offer strategies to optimize your utilization and enhance your score.


A longer credit history can enhance your score. Our experts provide insights into building a strong credit history over time and making informed decisions about credit accounts.


A longer credit history can enhance your score. Our experts provide insights into building a strong credit history over time and making informed decisions about credit accounts.


Opening multiple new accounts in a short span can affect your score. We provide guidance on managing new credit responsibly and minimizing the impact on your score.

Our 3-Phase Credit Counseling Process

At Premisien, we’re dedicated to providing you with a customized approach to credit improvement through our comprehensive 3-phase credit counseling process.

Phase 1: Removing Inaccurate and Outdated Information

We initiate your journey by meticulously reviewing your credit reports from all three major credit bureaus. Our experts identify any discrepancies, inaccuracies, or outdated information that might be dragging down your score. By working with the credit bureaus, we strive to ensure your credit report accurately reflects your credit history.

Phase 2: Leveraging the "30 Day Rule" in the Fair Credit Reporting Act

In this phase, we utilize the "30 Day Rule" outlined in the Fair Credit Reporting Act (FCRA). This rule stipulates that if a credit bureau cannot verify a disputed item within 30 days, it must be removed from your report. Our team is well-versed in leveraging this rule to your advantage, ensuring that inaccurate or unverified items are promptly addressed.

Phase 3: Deep Dive into Each FICO Factor

Understanding the nuances of each FICO factor is essential to holistic credit improvement. Our credit counselors take a deep dive into each factor, providing you with insights, strategies, and personalized advice to enhance your credit profile. Whether it's improving payment history, optimizing credit utilization, managing credit types, building credit history, or handling new credit, we equip you with the knowledge to make informed decisions.

Embark on Your Credit Journey with Us


Premisien is your partner on the path to better credit and financial stability. We’re committed to providing you with the resources, support, and expertise needed to navigate the complexities of personal credit. Explore our comprehensive credit education resources, learn about our proven 3-phase credit counseling process, and take charge of your credit future today.

Remember, your credit journey is unique, and we’re here to guide you every step of the way. Let’s work together to unlock your financial potential.