111111Credit Repair & Credit Score Information – Tradeline Supply Company, LLC

Credit Repair & Credit Score Information

07/17/2024
Inquiry Bumpage and Choppage

Can Inquiry “Bumpage” and “Choppage” Help Your Credit?

Could inquiry "bumpage" and "choppage" improve your credit? Find out from an expert who has spent three decades in the industry, John Ulzheimer.
06/06/2024
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.
05/30/2024
Missing a payment even once can seriously set back your credit score, but the damage will be even worse the longer you put off bringing the account current.

What Is a Derogatory Item on Your Credit Report?

Derogatory items can stay on your credit report and damage your credit scores for years. We’ll help you understand minor and major derogatories, how derogatory items affect your credit score, and what you can do about them.
04/07/2024
VantageScore vs. FICO Scores: What's the Difference?

VantageScore vs. FICO Score: What’s the Difference?

If you monitor your credit using a free website, chances are, you’ve seen your VantageScore. However, you may not have realized that this credit score is not the same as your FICO score.
03/24/2024
What Does It Mean to Be Credit Invisible?

What Does It Mean to Be Credit Invisible?

Nearly one in five American adults do not have a credit score. Find out what it means to be "credit invisible" and how consumers can become credit visible.
03/04/2024
Want to See Your FICO Score for Free? Here’s How to Do It

Want to See Your FICO Score for Free? Here’s How to Do It

The vast majority of lenders use your FICO credit score to evaluate your credit risk as a consumer when they are deciding whether or not to extend credit to you. And yet, historically, it has been costly for consumers to access their own FICO scores.
02/04/2024
Will These Strategies Help You Get More Credit Score Points?

Will These Strategies Help You Get More Credit Score Points?

Everyone wants to get a higher credit score, but not all of the “hacks” or tips being promoted actually help you get more credit score points. Credit expert John Ulzheimer answers some common questions about ways to get more credit score points.
01/15/2024
Credit Sweep Fraud

Are Credit Sweeps Legal or Will They Get You in Trouble?

Credit sweeps are a heavily advertised and promoted service among credit repair companies. John Ulzheimer explains why you need to watch out for credit sweep scams in an episode of Credit Countdown.
12/30/2023
Credit Card Credit-Building—2022 Best Cards for Credit-Building

Credit Card Credit Building—2024 Best Cards for Credit Building

If you need help building your credit, the right credit card can make all the difference. Here is a list of the best credit-building credit cards of 2024 to get you started.
12/26/2023
How to Improve Your Credit Score

How to Improve Your Credit Score in 2024

While your credit score is just a three-digit number, it can have a big impact on your life. When building your life in the midst of economic uncertainty, a good credit score is an even more important asset.
12/15/2023
Credit card revolving credit accounts

Building Credit With Revolving & Open Credit Accounts

If you want to build your credit score, responsibly managing revolving and open credit accounts can help. Let’s explore what these accounts are and how you can leverage these types of accounts into a better credit score.
12/07/2023
Credit hacks that work

Easy Credit Hacks That Will Actually Get You Results

Credit repair can take months to see results, but we have effective credit hacks that you can use to get a better credit score fast. Check out our list of the best credit hacks that will help you improve your credit.
12/04/2023
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.
11/19/2023
This Is How a Rapid Rescore Can Boost Your Credit Score Fast

This Is How a Rapid Rescore Can Boost Your Credit Score Fast

If you’re wondering how to update your credit report information fast so that you can improve your credit rating quickly, you may be interested in getting a rapid rescore. Find the answers to all your questions about rapid rescores in this article.
11/17/2023
Generation Z credit scores

Top Credit-building Tips for Generation Z

Generation Z represents the youngest generation of consumers. As a member of Gen Z, the financial choices you make now can have an outsized impact on your financial future.
11/10/2023
How to Remove Derogatory Entries on a Credit Report

How to Remove Derogatory Entries From Your Credit Report

Do you have derogatory items dragging down your credit score? Here's how to get derogatory entries removed from your credit report.
10/30/2023
Negative Items That Can Stay on Your Credit Forever

Are There Negative Items That Can Stay on Your Credit Forever?

Certain negative items could potentially stay on your credit report permanently. Here are the three exceptions to the 7-10 year limit on negative information imposed by the FCRA.
10/19/2023
Too much credit

Is There Such a Thing as Too Much Credit?

Is it possible to have too much credit? We answer the question of whether having too much credit could hurt your credit score by breaking it down into three parts: having too much available credit, having too much debt, and having too many credit accounts.
10/10/2023

What Is a Good Credit Score? 7 Must-know Essentials

Credit scores indicate how responsible you are with credit. Even if your credit isn’t the best, you need to understand how it works.
10/05/2023
Credit Reports: What You Need to Know

Credit Reports: What You Need to Know

Credit reports are an integral part of our financial system, yet many of us are seriously misinformed about how credit reports work. We'll help you understand what your credit report is and why it’s important.
09/29/2023
Past due payments

Derogatory Credit Marks—Grow From Bad to Great Credit

If a good credit score is a priority for you, a derogatory mark is the last thing you want to see on your credit report. Unfortunately, a derogatory mark could spell trouble for your credit score.
09/25/2023

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.
09/16/2023
Poor credit score

What Is Bad Credit and How Can It Affect You?

Bad credit is something we all fear, but what is actually considered poor credit and how could it affect you? In addition to explaining what bad credit is and why you need to avoid it, we'll also provide some strategies in this article to help you fix bad credit.
09/10/2023
Are Credit Inquiries Really Killing Your Credit?

Are Inquiries Really Killing Your Credit? What You Need to Know

Inquiries are often blamed for people's bad credit, but we're not so sure that's the case. Read this article to learn what hard inquiries and soft inquiries are and the truth about how inquiries affect your credit score.
09/08/2023
Credit Builder Loan

Credit-Builder Loans: Can They Help You?

If you have bad credit or no credit at all, you’ll likely have a hard time getting a loan. Fortunately, there are some ways to start building credit even when you haven’t used credit before.
08/30/2023

FICO Resilience Index: Should You Be Worried? [Infographic]

The FICO Resilience Index is a new type of credit score designed to help lenders better evaluate credit risk in today’s shaky economy. Should you be worried about your Resilience Index rating?
08/03/2023
How to Fix The Most Common Credit Report Errors

How to Fix the Most Common Credit Report Errors

It’s all too likely that you may have errors on your credit report. Read this article to learn about common types of errors on credit reports and how to fix them.
07/27/2023
Understand Credit-Building in Minutes

Master Credit-Building in Less Than 7 Minutes

A credit score is a three-digit number that reflects your creditworthiness, which can greatly impact your life. In this article, learn the best strategies to build up your credit score.
07/16/2023
Why Having a Good Credit Score Matters

6 Reasons Why Having a Good Credit Score Matters

You’ve likely heard that having a good credit score is important. But why does this three-digit number matter so much? It can impact your finances in many ways.
07/02/2023
Credit Score Ranges

How Credit Score Ranges Matter

While most people know they have credit scores, they may not understand why these numbers matter or how they are determined. Learn how different credit score ranges can impact your life and tips to help you improve your credit score.
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