Credit Repair Blogs

Paying for college isn’t easy, and loans are part of the journey for many students. Federal student loans come in two primary forms: subsidized and…

Vantage 3.0 is a credit scoring model that gives lenders a clearer, more up-to-date picture of your credit—nothing outdated, just what matters. As of March…

When you are looking for a new car and want to take on a car loan, you need a good credit score to buy a…

Filing for bankruptcy is a tough financial decision that can change your life. It brings relief from overwhelming debts, but the impact on your credit…

570 Credit Score: What It Means and How to Improve It Experian reports that 91% of consumers have FICO® Scores higher than 570. A 570…

Credit monitoring services act as a crucial early warning system, protecting individuals from the ever-growing threat of identity theft. Over the past two decades, the…

740 Credit Score: Is It Good Enough and How To Improve It? If you have a credit score of 740 or close, congratulations! You're already…

600 Credit Score: Is It Good Enough and How To Improve It? A 600 credit score is considered ‘fairly okay’. However, it may limit you…

670 Credit Score Key Takeaways:▪ A 670 credit score is considered good.▪ With a 600 credit score, you can qualify for loans, car financing, and…

850 Credit Score: What It Means and How to Maximize Its Benefits An exceptional credit score between 800 and 850 puts you in an ideal…

850 is the highest credit score—and yes, it is achievable. Keep reading to learn how to reach this maximum score and why it matters. Picture…

Your credit score significantly impacts your financial well-being. Whether you're applying for a loan, getting a credit card, or even renting an apartment, lenders and…

Your credit score can open many doors to better loan options or close them when it’s not high enough. But what if your report isn’t…

Whether you are considering taking a loan or diving into investing, you may have come across terms like “APR” and “APY”. While these terms may…

Credit boost is more important than you think—it’s your ticket to financial freedom. And, DIY credit boost apps are your way to achieve it!  Your…

If you’re wondering, 'How do I unfreeze my credit?' the answer is yes—it’s as easy as logging into your account, verifying your identity, and selecting…

The annual percentage rate or APR indicates the true cost of borrowing money. It is a determinant in credit cards or other forms of credit…

Every time you or someone reviews your credit for a job, a loan, or a promotional offer it leaves an inquiry in your report. These…

Credit, credit scores, and credit reports are interconnected pillars of your financial journey. Whether securing a credit card or purchasing your dream home, having a…

Wondering how to increase your score in 30 days? Monitoring your report, identifying and disputing errors on your report, and reducing debt and reducing debt…

Surprisingly, 80% of Americans are actively working to improve their credit.  It's a staggering statistic, and it's one you definitely don't want to associate with.…

Repossession is a derogatory mark that can stay on your credit record for a minimum of seven years. It strongly impacts credit ratings, causing a…

Medical bills can be troublemakers when you don't know how much to pay each month to avoid collections. That’s why understanding what is the minimum…

Credit Lock vs FreezeCredit freezes are legally free and need a PIN or password to unfreeze, whereas credit locks are typically paid and unlockable via…

Knowing how to freeze your credit is an essential step to protect your financial information from unauthorized access. A credit freeze limits access to your…

Your credit score impacts your possibilities to access loans, rent property, and secure better credit card options. With different credit scores reported by bureaus like…

4 in 5 Americans are trying to improve their credit scores. If you are one of them, AI credit repair will definitely help you.  AI…

Experian reports that 91% of consumers have FICO® Scores higher than 555. A 555 credit score puts you in the "poor" range (300 to 579),…

A collection account can stay on your credit report for as long as seven years from the date of the first missed payment. Concerning, yes.…

Planning to build credit is a choice that can strengthen your financial status in many ways. However, the possibility of getting loans or credit cards…

What Is a Guarantor?A guarantor is an individual who provides himself or herself as surety in a contract for meeting financial obligations. It is usually…

Car leasing with bad credit history can be tough because it usually means higher interest rates, resulting in pricier monthly payments. Although a poor credit…

Credit history makes up 15% of your credit score calculation, needless to say, it significantly impacts your scores. The length of the credit history is…

Can you apply for credit under age 18? If not, how can you build credit before 18? Well, although you need to be at least…

A utility bill covers the cost of the services that keep your home comfortable—like water, gas, and electricity. But you might wonder, does paying these…

A credit score is a delicate and unique blend of credit mix, credit history, payment history, and more. Slight changes in these pieces of credit…

Paying off your loan early can wipe out the excessive burden of recurring debt payments. Once your loan amount is paid off, you can move…

Secured credit cards are a smart way to build or rebuild your credit, especially if traditional credit options aren’t available. With a secured card, you’ll…

808 credit score is considered Exceptional. Falling within the 800-850 range, an exceptional score means you're in a prime position to secure the best interest…

A 650 credit score falls under the fair category. It is considered ‘fairly okay,’ however, this score does not fall in the good range. The…

If you've got multiple active high-interest credit cards or loan accounts, you might have considered a balance transfer. But before you decide on it, a…

A document or a notice that a debt collector gives informing you about the debt owed by you: the information in the debt validation letter…

Only a quarter (22%) of Americans have a FICO Score of 800 or higher, so if your credit score is 808, you're already doing an…

Forget the struggle of building credit! A credit builder app offers a powerful solution to unlock a healthy financial future. These innovative apps empower you…

According to FICO, 47% of Americans have a 750 credit score. Is 750 a good credit score? Absolutely yes! Moreover, FICO and VantageScore agree that 750…

Paying rent can help you build credit. And while an on-time payment can boost your credit score, a late rent payment can affect it negatively.…

Landlords want reliable tenants. That’s why a good credit score can strengthen your chances. But if your scores are low, you must provide alternative proof.…

Key Takeaways:▪ Having a score of 720 is considered good.▪ A 720 credit score equates to access to more opportunities like personal loans, auto loans,…

Leasing out a car is a convenient and cost-effective way to own a new set of wheels every few years. However, when the lease term…

Ever paid off a loan but your report reflects otherwise? Such closed accounts on credit report can be consequential, and in some cases, even cost…

Thinking of using a credit building app but not sure which one? We've got you. A good credit score helps you in making big moves…

Steps You Can Take to Improve Your Credit Score Yourself A credit score is a numerical representation of your financial health. A good score, typically…

We often come across terms like a 609 dispute letter, especially when credit score improvement is in question. However, before you decide to opt for…

◾ Afterpay and other buy now pay later (BNPL) options offer a convenient solution for handling immediate expenses, but understanding its impact on credit and…

To remove a valid charge-off from your credit reports you can attempt to negotiate with your lender or debt collector. If your account is still…

Financial literacy and building credit at 18 go hand in hand and are an important aspect of turning 18. It’s all about learning how to…

The average FICO credit score in the US is 717, according to the latest FICO data. And the average VantageScore is 701 as of January…

If your credit score drops out of nowhere, even by a few points, you may panic, which is the common reaction. A credit score drop…

16% of Americans have bad credit, and another 18% have fair credit, according to Experian data. That’s not ‘good’. But does your credit score really…

The world of credit may sometimes feel like deciphering a complex puzzle. Among the many questions that arise, one often overlooked yet crucial one is…

◾ Refinancing will hurt your credit score, but temporarily. As a matter of fact, there are several long-term advantages to refinancing, regardless of whether you…

The first step to building good credit is to know where you stand, i.e., know how to check credit score, and credit report. Astonishingly, one…

Numbers can reveal a lot about a person, just as a three-digit credit score tells everything about a person's financial situation. Especially, in situations, where…

Pay for delete letters entails contacting debt collectors and asking them to eliminate adverse entries from your credit reports as part of an agreement to…

When you apply for a line of credit, be it a credit card, loan, or mortgage, you trigger what is known as a "hard inquiry"…

A Credit Privacy Number (CPN) is a nine-digit illegal alternative to a Social Security Number (SSN). It is usually claimed to be a substitute for…

Eviction does not only impact your life but can also affect your credit score. In this blog, we'll discuss how eviction is reflected in your…

Why rebuild credit? How to rebuild credit? What are the best credit repair tips? These are the most asked questions by individuals looking to rebuild…

Mixing business with personal life is rarely a good idea, especially when it comes to finances. Even so, 46% of small business owners use personal…

Before renting out a property, the majority of landlords look up the renter's credit score. So, getting the kind of housing you want depends greatly…

Key Takeaways▪ Whether you have a credit history or haven’t built one yet, your credit score does not start at 0. ▪ Your beginning score will…

What is a good credit score? Well! Let’s begin with this—a person with a good credit score enjoys more financial freedom, suitable borrowing opportunities, and…

Did you know? A derogatory mark on your credit report can drop your credit score by up to 200 points. Baffling, isn't it? That's not…

Searching for an apartment often raises a question for people with unfavorable credit: 'Can you get an apartment with bad credit' or 'Are there any…

Ever met someone who likes inaccurate information reflected on their credit reports? Probably not, and that’s why you need to dispute credit report inaccuracies to eliminate…

Your credit score is a number between 300 to 850 that tells lenders your creditworthiness, i.e., how you handle your credit and manage debt. Whereas,…

New research suggests that one in ten Americans has no idea what their credit score is, and one in five wouldn't know how to check it. This…

Credit scores significantly impact various aspects of your life. In fact, sometimes, a few points can help you get a better offer on a new…