Credit Repair & Credit Score Information
09/01/2022
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
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
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
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
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
Are you considering cosigning a loan? Let’s explore how this action could impact your credit score.
07/22/2022
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.
07/13/2022
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
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
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
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
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
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
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
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
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.
04/27/2022
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.
04/17/2022
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.
04/09/2022
"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.
04/06/2022
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.
04/04/2022
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.
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.
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.
10/04/2021
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.
10/08/2020
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.
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.
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.
