Should I pay my credit cards off every month?

It is great to be debt free! And if you are in the position to pay off your credit cards in full each month it is wonderful. But if you are in our credit repair program and want to do everything possible to build up your credit scores you should not pay your cards in full.… Read More

I have three store cards, and I have been making my payments on time but I am not seeing improvement in my credit scores, can you tell me why?

Credit repair involves a fair amount of attention to detail, some of which seems counter-intuitive at first glance.… Read More

I got two new credit cards and my scores fell. I am making the payments on time. What is the problem?

There is no doubt that new credit cards are absolutely essential to your credit repair success. Without the new cards your credit scores will flounder.… Read More

I cut up and cancelled my credit cards before starting credit repair, was that a mistake?

Yes and no. There is certainly nothing wrong with simplifying your life. And there are many wonderful benefits to eliminating debt. But from a credit repair perspective you would have been better off holding on to two or three credit cards even if you have decided to live as debt free as possible.… Read More

I was with a different credit repair company for six months and my scores have not moved. I do not have any open accounts, could that be the problem?

Effective credit repair requires more than just sending dispute letters to the credit bureaus.… Read More

I’m a little afraid of opening credit cards. Can credit repair work if I don’t open new credit cards?

I understand your reluctance to open new credit cards. Many people starting credit repair programs have experienced problems with credit cards in the past and are hesitant to tempt fate again, or their own self-discipline.… Read More

How long will it take for a secured card to help my credit scores?

This is an important question. Many people starting credit repair programs literally have no open credit cards. And without open positive accounts you will not see significant improvement in your scores.… Read More

I can’t get approved for anything, how can I rebuild my credit?

The success of your credit repair effort depends on the presence of good, open accounts on your credit report. The FICO scoring software needs some current indication of your ability to meet your obligations.… Read More

Does the limit on a secured card have any impact on my credit repair?

Your secured card limit is not important. You can get as much benefit from a small card as one with a large limit. Secured cards are the perfect credit repair tool.… Read More

I just got a new credit card and my scores dropped, did I do something wrong?

You did the right thing by opening your new credit card, and it will produce awesome results. Your FICO scores fell temporarily due to the presence of the new untested debt, but before long you will see your scores rebound, and more.… Read More

How many credit cards should I have?

In our experience, five credit cards will contribute to your credit repair efforts. More than five is unnecessary and is more likely to depress your scores than help them. By the same token, we notice that the vast majority of benefit is gained from the first two cards as long as they are managed properly.… Read More

I have lots of credit cards, should I close some of them if I want credit repair to work?

You may close your cards selectively. The cards that contribute the most to your credit repair effort are the older cards. If you have more than five credit cards you can start closing by closing the newer cards first, but there are a couple of other considerations.… Read More