Credit Repair & Credit Score Information
09/08/2023
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
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
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
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
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
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.
06/25/2023
Collections can damage your credit score for a long time, so it's important to understand them. This helpful guide explains what collections are, how they affect your credit, how collection agencies try to re-age debt, how to get collections removed from your credit report, and more.
06/22/2023
What is the difference between your overall credit utilization ratio and individual credit utilization ratios and why does it matter to your credit?
06/16/2023
26 million consumers in America have no credit record whatsoever. On top of that, there are an additional 19 million consumers who do have credit files, but they do not contain sufficient credit information to be scored by a widely available credit scoring model.
06/14/2023
How many times have you read a blog or heard some financial “guru” opining as to the mystical “right” number of credit cards to have in your wallet? Is the right number one, or two, or three? And what are the criteria for considering what is the right number versus the wrong number?
06/07/2023
Most of the time when I’m asked about credit scores the line of questioning is commonly about how to improve scores. It’s equally often, and equally enjoyable, when I receive questions from people about how many points certain things from your credit reports are worth to their credit scores.
05/31/2023
People who are serious about improving their credit often wonder what it takes to get the highest possible credit score. For the FICO 8 credit scoring model, the perfect credit score is 850.
05/12/2023
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.
05/04/2023
If you have credit cards with low limits, you may want to increase your credit limit. In this article, we cover everything you need to know about how to get a higher credit limit.
04/25/2023
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?
04/12/2023
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. So when can you start building credit?
03/24/2023
Thousands of workers were laid off by their employers in 2022. As the trend of layoffs trickles through the economy, it’s important to take steps to safeguard your finances against a potential layoff.
03/15/2023
How important are closed accounts when it comes to your credit score? Perhaps more than you think. Let’s shed some light on the question of how closed accounts can affect your credit.
03/10/2023
Like having the right credit score, choosing the appropriate insurance policies has a big impact on your financial health. Without the right insurance policies, it is easy to get caught in a financial pinch.
02/27/2023
Business credit is similar to personal credit, but it uses a different reporting system. If you are interested in building business credit, our article breaks down business credit vs. personal credit, what business tradelines are, and how to build business credit.
02/20/2023
Building credit using traditional methods can take years. In this article and infographic, we’re talking about the fastest ways to build credit.
02/16/2023
Go behind the scenes of the dispute process used in credit repair and learn the importance of the Metro 2 and e-OSCAR systems in credit disputes.
02/03/2023
With the right financial habits, you can transform your financial future. But with the wrong financial skills, you might be digging yourself into a deeper hole. If you aren’t sure where to start building financial skills, you are in the right place.
01/26/2023
Credit myths are extremely common. Unfortunately, many people believe these myths, and their credit suffers as a result of taking incorrect actions. Let’s get to the bottom of these credit myths so you can start improving your credit the right way.
12/31/2022
Your credit scores are one of the many things that you need to stay on top of during a move. The good news is that it’s absolutely possible to protect your credit scores during a move. But it will take a little bit of planning to make sure that credit score-damaging issues don't slip through the cracks.
12/23/2022
The right money management habits can help you work your way toward a better credit score. Let’s explore how to cultivate habits that may change your credit score for the better.
12/14/2022
The top credit repair companies are getting on board with authorized user tradelines as a way to take their clients—and their businesses—to the next level of success. Keep reading to find out why the future of credit repair depends on tradelines.
12/09/2022
When it comes to building credit, the right mindset can make all the difference. Although simply thinking about building credit in a positive way won’t give your credit score a boost, it might provide just the influx of energy you need to stick to your credit-building goals.
12/06/2022
Many people are uncertain about what may happen to their credit when they get married and what can happen to their credit if they get divorced. For example, it is commonly believed that your credit report merges with your spouse’s credit report when you get married. Is that really true? And what happens to your credit when you get divorced?
12/03/2022
Did you know that all credit is built from tradelines? Although this fact is not often discussed, it’s just as important to understand when it comes to building credit.
