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.
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.
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.
If you’ve been working to increase your credit score and haven’t seen results, you're probably wondering, "why isn’t my credit score increasing?" Find out why your score isn’t improving and how to address it.
"Buy now, pay later" services can be convenient for those on a tight budget. But how do these BNPL services affect your credit? Let’s take a look at how this popular payment option could impact your credit scores.
It can be overwhelming to try and manage several different credit card balances. If you’re in this difficult position, it might be worth considering debt consolidation. Keep reading to learn how debt consolidation works and see if it could help your credit score.
Perhaps the title “Credit Repair vs Tradelines” is not entirely accurate, but this is a common way that many consumers think of the two industries. In truth, the services really go hand-in-hand, but we will highlight several differences in order to understand the full range of credit-related options.
Most lenders use your FICO credit score when they are deciding whether or not to extend credit to you. If you need to check your FICO score, where can you do so without paying a fee to access it? This article lists some of the best places to get your FICO score for free.
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.
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.
It’s crucial to understand credit scores if you want to set yourself up for financial success. Keep reading to find out why credit scores matter, how having a poor credit score can limit opportunities, and what you can do to improve poor credit scores.
While most people know they have credit scores, they may not understand why these score numbers matter or how they are determined. Read this article to learn how different credit score ranges can impact your life and tips to help you improve your credit score.
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.
“Alternative data” is a concept that is becoming increasingly popular as one possible solution to the problem of credit invisibility. Let’s shed some light on the emerging topic of alternative credit data and how it could help or hurt consumers.
Credit sweeps are a heavily advertised and promoted service among credit repair companies. Is it really a good idea to purchase a credit sweep to boost your credit score? Here are some things to think about before signing up for a credit sweep.
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.
Tradelines are commonly believed to have more of a positive impact on one’s credit score at certain age levels. Based on the examples we have seen, we have come up with our own observations on the question of which age levels are particularly beneficial for credit scores.
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