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Credit
Find simple, no-hassle ways to build credit so you can achieve a good score that gets you approved!
Credit is essential for your financial success. A bad score makes it tough to get financing approval and you may need deposits to use basic services, like utilities. Even employers and landlords check your reports. So, it’s imperative to maintain a clean profile and achieve the best score possible.
If you want to maximize your score and clean up your profile, these articles can help you. Learn how agencies calculate your score, how certain actions can affect your credit and what to do to mitigate penalties. With the right strategy, you can get to “good” in less time than you might think!
Credit Resources
Free Credit Help
Debt.com’s Free Credit Help Guide teaches you five basic steps you can take to fix your credit score that don’t require paying for expensive professional services. With a little work, you can achieve good credit!
How to Fix Your Credit for Free
Fixing your credit doesn’t always take money. It just takes a little time to execute these six steps, and you can achieve a clean, error-free credit report within the next 30 days and a better credit score in six months.
Understanding Your Credit Report
Understanding your credit report is essential if you want to get a good credit score. Learn what your credit report says and what you should look for so you have the best understanding possible to improve your credit.
Understanding Your FICO Credit Score
FICO Credit Scores are used in 90% of financing decisions for loans and credit cards. Learn how your FICO score is calculated and what you can do to maximize it without paying for FICO credit score tracking services.
How to Build Credit Fast
Building credit is a simple 5-step process that can work is as little as a few months if you have a bad credit score. Learn what steps to take to build credit effectively and 10 things you need to avoid so you don’t damage your score.
What is Tri Merge Credit and What Does It Mean for You?
Tri merge credit is a fancy name for a 3-in-1 credit report that lenders (particularly mortgage lenders) use to get a complete picture of your credit profile. Learn what tri-merge credit is and what you can do to ensure it’s good.
Credit Repair: How to Fix Your Credit Step By Step
If you have mistakes or errors in your credit reporting that are hurting your credit score, credit repair allows you to dispute them to have them removed. Learn how repair your credit on your own or with professional help.
- What Is Credit Repair? (AKA “Credit Correction”)
- Setting Credit Repair Expectations
- What Do Credit Repair Companies Do?
- How to Spot and Avoid Credit Repair Scams
- Credit Repair Services: How to Find Legitimate Help
- Repair Your Credit for Lower Interest Rates
- Credit Repair for Mortgage Approval
- The Truth about Free Credit Repair
- How Long Does Credit Repair Take?
- How Much Does Credit Repair Cost?
- Is Credit Repair Legal in All 50 States?
Credit Monitoring
Credit monitoring allows you to track important changes in your credit report and credit score. These services help you build credit effectively and avoid identity theft. Learn how credit monitoring works and where you can get it.
Credit FAQ: Answers to the Internet’s Top Credit Questions
Your credit report and credit score can have a serious impact on your life! We answer the top credit questions so you can understand how your credit profile affects your financial life (and vice versa).