If inaccuracies and unfair errors on your credit history are the cause of a low credit score, taking legal steps to remove them may help.
How to fix your credit
Starting with your credit report, learn how to identify and fix the issues harming your credit score.
What is a bad credit score?
Lenders consider a bad credit score as below 600. Depending on the items listed on your credit report, a bad credit score could keep you from securing a loan or getting a credit card.
If you suspect an error on your credit report, credit disputes can help you set things right. Learn how to change information on your credit report here.
If you have an average credit score with room to grow, small changes to your financial habits will compound over time.
How to improve credit
Our comprehensive, easy-to-follow guide has everything you need to know to improve your credit score.
Your credit utilization can have a large impact on your credit score. Here we’ll cover how to better understand what credit utilization is and how to monitor it.
What is a good credit score?
Lenders consider a good credit score as above 700 and an outstanding score as above 800. Learn how your credit score will impact loans, credit cards, and more.
If you need to establish a credit score from scratch, or need to boost your credit score, understanding the basics of the credit industry will help you build successful lending habits.
How to build credit
From just starting out as a lender to improving your credit score building credit can be an easy process with the right tools and practices.
How to manage credit cards
Managing your credit takes patience and practice. Here are some helpful steps on how to manage your credit card balances more efficiently.
How to check your credit report for free
Learn how to check your credit score for free in just a few simple steps.
If you pulled your credit report and were shocked by a low score, start with the basics. Understanding the five credit score factors will help you take action to improve them in the future.
What is credit?
Credit describes money borrowed from a financial institution through sources like a mortgage, loan or credit card.
What are credit bureaus?
Credit bureaus are a set of three companies that monitor and report information on consumers' use of credit.
What is a credit report?
A credit report is a profile of how a consumer has used, repaid and handled borrowed credit.
Is credit repair right for you?
Depending on the status of your credit report, credit repair might not be the best next step to raising your credit score. Our credit repair services are designed to help those who are most in need of negative item removals from their report.
Answer the following questions to find out if credit repair is right for you.
Have you ever made a payment late?
Have you ever been denied a loan or credit card?
Have you recently had your credit checked?
don't wait 7 years
Late Payments and Collections are the most common items we deal with and have the most success removing. On their own they usually don't drop off before 7 years.
don't get denied again
Getting your credit score above a 760 will help you get approved and get the best rates on loans and credit cards. We've helped thousands achieve this.
Having your credit pulled can negatively affect your score. We have ways to manage that.
free credit consultation
Late Payments, collections and hard inquiries are just a few of the most common items we deal with but we also specialize in: judgments, charge offs, bankruptcy and liens.