Credit

Learn how to build credit, maintain it, and even repair it when things get a bit off track.

Products & Services

Here are some of our favorite credit-related products and services.

Credit Basics

New to credit? Here are some basics.

Explore credit: Credit Scores | Credit Repair | Identity Theft

Credit Tools & Resources

All the tools you need to manage and repair your credit.

DIY Credit Repair Kit

The 9-step action plan to repair your credit + 17 letter templates

Auto Loan Payment by Credit Score

See how your credit impacts a payment on an auto loan

609 Credit Dispute Letter Template

Tried and tested template that works

Credit Inquiry Removal Letter Template

Remove an unauthorized inquiry on your credit report

Goodwill Letter Template

Remove a late payment from your credit report

Pay For Delete Letter

Settle with a collection agency

Latest Articles

12 mins read

How to Contact the Three Major Credit Bureaus

Here is how to contact all three major credit bureaus, Experian, Equifax, and TransUnion, depending on your needs.

Why Co-signing on a Credit Card Is a Bad Idea

9 mins read

Total Visa® Card Review | Unsecured Card for Fair or Poor Credit

13 mins read

How to Build Business Credit with Bad Personal Credit

Do you want to build business credit with bad personal credit? Here's the difference between the two and why you should keep them separate.

Boom Review 2023: Cheapest Way to Pay (and Report) Rent

Boom is a rent payment app that reports your rent payments to all 3 credit bureaus. Does it work? Check this Boom review!

1 2 3 … 29 Next »

FAQs

How long does bankruptcy stay on your credit report?

Most personal bankruptcies fall into two types, Chapter 13 and Chapter 7. As explained earlier, a Chapter 7 bankruptcy will remain on your credit report for up to 10 years after the filing date.

Learn more about how long items stay on your credit report
What is a thin credit file?

A thin credit file means that your credit record either has too little in it to generate a score, or it doesn’t have enough to convince potential creditors that you’re an acceptable risk.

Learn about thin credit files
Can I get an apartment with no credit?

Getting an apartment with no credit history might be difficult but by no means impossible. Here are some steps you can take:

– Look for small landlord
– Offer a higher deposit
– Offer a short-term lease
– Get references
– Find a roomate
– More options
What is a FICO Score?

A FICO score refers to the credit score calculated by the Fair Isaac Corporation.

Learn more about FICO scores
Can medical bills affect your credit?

Many, if not most, medical providers do not report to credit reporting agencies. In case a medical provider cannot get you to pay a medical debt, they will send your account to a collection agency. They will almost always report the debt to a credit reporting agency.

Learn more about how medical bills affect your credit score
What is a credit mix?

Your FICO credit score is built upon five main factors, and your credit mix is one of them. Credit mix represents a balance of revolving and installment credit accounts in your credit report.

Learn more about credit mix

The content on finmasters.com is for educational and informational purposes only and should not be construed as professional financial advice. Finmasters is not a financial institution and does not provide any financial products or services. We strive to provide up-to-date information but make no warranties regarding the accuracy of our information.

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