Credit Repair & Credit Score Information

12/02/2022
How to Leverage a Side Hustle Into a Better Credit Score

How to Leverage a Side Hustle Into a Better Credit Score

Regardless of your financial goals, an extra income stream can always come in handy. If you are trying to build better credit, the funds you bring in from a side hustle could help you transform your credit score situation.
11/17/2022
Holiday savings account

How to Protect Your Credit Score During the Holidays

As the cooler weather sets in, the holiday season is starting to appear on the horizon. Although the festive season is filled with lots of fun, […]
11/16/2022
How to Get Through the Holidays With Your Credit Intact

How to Get Through the Holidays With Your Credit Intact

With so many Americans unemployed and struggling financially, it’s more important than ever to go into the holiday season with a smart strategy to keep your finances intact. Here are some tips on how to make it through the holiday season without going overboard on spending, hurting your credit, and derailing your financial goals.
10/28/2022
Is a Balance Transfer Worth It? How to Know if It’s Right for You

Is a Balance Transfer Worth It? How to Know if It’s Right for You

Balance transfers can be a valuable tool for helping consumers get out of credit card debt without being crushed by interest charges. On the other hand, if you’re not careful, they can leave you worse off than you were before. Read this article to find out everything you need to know about balance transfers and how to decide if a balance transfer is right for you.
10/20/2022
What Is a Credit Freeze on My Credit Report?

What Is a Credit Freeze on Your Credit Report?

A credit freeze can be a valuable tool for those who may be concerned about identity theft. However, many people are unaware of how credit freezes work and how to use them.
10/16/2022
Building credit in the United States

How to Build Credit After Moving to the United States

Relocating to a new country is an exciting time as the start of a new chapter. One major challenge for those relocating to the United States is the necessity of building a credit score from scratch. Let’s explore how you can build credit after moving to the United States.
10/12/2022

What Are Credit Scores?

Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are complex and can be difficult to understand. In this article, we’ll clear up what credit scores are, why they matter, how to build credit, and how to improve your credit score.
10/06/2022
No debt

Does Having No Debt Hurt Your Credit Score?

Those able to skirt around the financial pitfalls of debt may wonder how this financial success will impact your credit score. Let’s explore whether or not avoiding debt will hurt your credit score, plus strategies you can implement to build credit while avoiding debt.
09/30/2022
Rebuilding Credit After a Divorce

How to Rebuild Credit After a Divorce

There is no denying that going through a divorce is a challenging and stressful time. On top of the emotional cost, there are financial costs that often tag along with divorce. One of the many ways that a divorce can impact your finances is by negatively impacting your credit score.
09/18/2022
Poor credit score

DIY Credit Repair Basics

Credit, as related to personal finance, refers to someone's ability to pay lenders back. Many years ago, bankers and individual lenders were forced to gauge a prospective borrower's credit subjectively—they had no metrics or statistics to turn to in making such judgments.
09/15/2022
Missed payment poor credit score

How Does a Late Payment Impact Your Credit Score?

Payment history accounts for 35% of your FICO score. So, if you miss a payment, that could have a big impact on your credit score. Let’s explore how a missed payment will affect your credit score.
09/01/2022
Bankruptcy court

What Is Bankruptcy and How Does It Impact Your Credit?

When you file for bankruptcy, it’s usually because you have no other option for your finances. Although it might be the right choice for your situation, the decision to file for bankruptcy will have a negative impact on your credit.
08/25/2022
609 dispute letter credit repair

What’s a 609 Dispute Letter in Credit Repair & Does It Work?

If you’ve ever looked into repairing your credit, you may have seen credit repair businesses advertising “609 dispute letters” as a way to remove negative information on your credit report. What is the idea behind this strategy, and do 609 dispute letters work?
08/12/2022
Recession credit score graph

How to Protect Your Credit Score During a Recession

When a recession is on the horizon, it’s time to prepare your finances for the potential storm ahead. Although a recession can batter personal finances across the country, it’s possible to protect your financial situation and credit score with a bit of preparation.
08/04/2022
Building credit in the military

Credit Building for Military Members

As a member of the military, you face tough challenges on a regular basis. The tenacity and perseverance you build during your career can translate into other aspects of your life. One place to channel your energy is into building a great credit score.
07/29/2022
Car shopping

How to Build Credit for a Car Purchase

If you are planning to take out a loan for your car purchase, your credit score matters. It can take time to build up a good credit score. But the results can be well worth the effort.
07/27/2022
Cosigning a contract

How Cosigning Impacts Your Credit Score

Are you considering cosigning a loan? Let’s explore how this action could impact your credit score.
07/22/2022
Building credit to purchase a home

How to Build Credit for a Home Purchase

Homeownership is a big financial goal. Although there are many important steps on the path to your dream home, building a good credit score might be the most critical.
07/15/2022
Rent payments on your credit report

How to Build Credit Without a Credit Card

A good credit score is a key to accessing financing options on major purchases. Building credit can be easier said than done. One popular way of building credit is to use a credit card. But that’s not the only option.
07/13/2022
Risky credit score scams

Should You Fix or Ditch Your Credit Score?

Credit scores are essential to American life. While there are many promises to get you a better credit score quickly, some are scams you should avoid. Instead, follow our tips to legitimately raise your credit score.
07/07/2022
Medical collections on credit reports

How to Remove Medical Collections From Credit Reports

Anytime one of your bills heads to collections, that’s bad news for your credit score. But depending on your situation, it may be possible to have the medical collection removed from your credit report. Keep reading if you want to eliminate this bad spot from your credit report.
06/29/2022
Building credit when young

How to Establish Credit While Young

Just like it’s a good idea to save money while you are young, it’s also a good idea to work on building your credit score while you are young. The right credit score can set you up to tackle many of the financial obstacles life throws your way.
06/24/2022
Credit card utilization ratio

Everything You Need to Know About Credit Utilization Ratios

A better understanding of your credit utilization ratio can help you manage it with your credit score in mind. Let’s explore what your credit utilization ratio is, plus everything you need to know about managing your credit utilization ratio.
06/15/2022
Why Did My Credit Score Go Down?

Why Did My Credit Score Go Down?

If your credit score has gone down, it's important to understand why so you can address the problem. Let's discuss some possible credit issues that could cause a decrease in your credit score.
06/14/2022
Irregular income graph

How to Protect Your Credit Score When You Have an Irregular Income

An unpredictable income can make managing your finances a bit more complicated. But with a little bit of planning, you can map out a strategy to protect your finances and credit score from the swings of an irregular income.
05/20/2022

How to Grow a Thin Credit File

A thin credit file can be problematic. Although your finances may be in good shape, a thin credit file can make it challenging to access financing for major purchases when you need it. The good news is that you can take action to grow a thin credit file.
05/09/2022
Credit Mix: Do You Need to Care About Types of Credit?

Credit Mix: Do You Need to Care About Types of Credit? [Infographic]

While credit mix only makes up 10% of your FICO score, it’s still important to consider when building credit. Check out our infographic about mix of credit and types of credit.
05/06/2022
Credit repair contract

Insider’s Guide to Buying Credit Repair

Most ratings and buyers' guides of credit repair companies are nothing more than paid advertisements—but not here! This is the insider's guide to the good, the bad, and the ugly credit repair companies. Our guide is dedicated to helping you find the best credit repair company for your situation.
05/02/2022
Are Revolving Accounts More Powerful Than Installment Accounts?

Are Revolving Accounts More Powerful Than Installment Accounts?

Revolving accounts and installment accounts are both important for building credit, but they do not have an equal influence on your credit score. Which type of account is more powerful for your score?
04/28/2022
Why Having a Good Credit Score Matters

6 Reasons Why Having a Good Credit Score Matters

Your credit score can impact your finances in many ways. Let’s explore the reasons why having a good credit score is so essential.
Contact Phone
888-844-8910
Monday – Friday: 7:00 AM PST- 6:00 PM PST Saturday: 8:00 AM PST - 5:00 PM PST
Phone support is temporarily unavailable due to Coronavirus. TradelineSupply.com will remain open and all communication must go through [email protected] Our staff will respond promptly to emails 7am- 7pm PST Mon-Fri.