Our easy-to-read credit tips are broken down into three categories: practical guidance to get you rolling with The Basics, useful clarity on Collections and Legal Issues, and valuable Score Optimization Tips you can put to use today.
It can be hard to face your credit after a period of financial difficulty, but there is nothing more important. Take the first step and you will discover that progress can be quick – and very satisfying! Our credit repair program offers an intelligent way to clean up errors, build new accounts, and get your reports in great shape.
The collection industry is far from perfect. Collection accounts are bought and sold. Errors proliferate. Sellers should cease reporting, but rarely do, leaving a trail of duplicate accounts. Many debts are past the reporting period limits for the credit bureaus. And a surprising number of collection letters are sent to the wrong people altogether.
The FICO credit scoring model puts a significant amount of emphasis on the ratio of your credit card balances to their limits. If you are enrolled in our credit repair program we will manage the dispute process on your behalf, but if you really want to see your scores improve you should start reducing your revolving balances.