Credit Repair & Credit Score Information
02/12/2022
John Ulzheimer sheds light on which strategies to get more credit score points hold merit and which ones are just myths.
02/10/2022
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.
02/04/2022
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.
01/26/2022
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.
01/07/2022
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.
01/03/2022
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.
01/03/2022
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.
11/15/2021
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.
11/04/2021
FICO 10 and FICO 10 T are new credit scoring models that have the potential to change the credit industry in a major way. What do they mean for you as a consumer? Read this article to find out.
10/25/2021
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.
10/04/2021
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.
04/17/2021
Could inquiry "bumpage" and "choppage" improve your credit? Find out from an expert who has spent three decades in the industry, John Ulzheimer.
10/18/2020
Credit expert John Ulzheimer explains how credit scoring "buckets" work in assigning points to your credit score.
10/08/2020
There is a disconnect between what is understood as traditional credit repair versus adding tradelines to your credit reports. Credit expert John Ulzheimer explains the difference in this article.
09/20/2020
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?
09/10/2020
What is the difference between your overall credit utilization ratio and individual credit utilization ratios and why does it matter to your credit?
07/31/2020
Managing your finances and protecting your credit in the time of COVID-19 is a daunting task. Here are some steps you can take to get started right now.
07/23/2020
For those struggling to build credit, a credit-builder loan may be one way to get a loan with no credit check and start building a positive credit history.
06/29/2020
FICO 10 and FICO 10 T will cause millions of consumers' credit scores to change. Learn more about the new FICO credit scores and how they will affect the tradeline industry.
06/27/2020
Credit piggybacking, also called credit card piggybacking, is a commonly used credit-building strategy. However, many people are still unaware of how to access this strategy and use it to their advantage. We’ll define piggybacking for credit and tell you how it can help your credit.
05/28/2020
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.
05/24/2020
Bad credit is something we all fear, but what is actually considered poor credit and how could it affect you?
05/03/2020
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.
