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  • Credit
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Credit

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

Best Credit Building Tools

Best ways to build credit

Get A Free Credit Score

Check your scores for free

Build Business Credit

Set your business up for success

Best Credit Builder Loans

No credit check

Best Credit Repair Companies

When you need professional help

Best Credit Repair Software

For individuals and business

Products & Services

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

Self logo
Self

Build credit and savings with Self credit builder loan

Read Review
myFICO logo
myFICO

See all your FICO scores in one place

Read Review
Boom logo
Boom

Cheapest way to get credit for paying your rent

Read Review
Chime Secured Visa® Credit Card logo
Chime Secured Visa® Credit Card

A new way to build credit

Read Review
Experian Boost logo
Experian Boost

Report utility and telephone bills

Read Review
Sesame Cash logo
Sesame Cash

Debit card that builds credit

Read Review

Credit Basics

New to credit? Here are some basics.

What is a Credit Score: Definition, Factors and How to Improve It

28 mins read

How is My Credit Score Calculated? 5 Most Important Factors

8 mins read

How to Read a Credit Report: The Ultimate Guide

10 mins read

How to Rebuild Credit: 8 No-Nonsense Strategies That Work

11 mins read

8 Best Ways to Build Credit at 18

13 mins read

5 Ways to Improve Your Credit Score Fast (2023)

13 mins read
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

21 mins read

5 Best Credit Repair Companies of 2023

After analyzing 21 credit repair companies based on price, service, and results we picked the 5 best credit repair companies for 2023.

Read More
Government Lawsuit Vs. Lexington Law

[UPDATE] Government Lawsuit Vs. Lexington Law

7 mins read
Credit Products That Use Alternative Credit Data

10 Credit Products That Use Alternative Credit Data

8 mins read
Best Credit Cards for Building Credit

9 Best Credit Cards for Building Credit in 2023

Which are the best credit cards for building credit and how does each card provide you with the tools necessary to build good credit?

Section 609 Letter Template

609 Letter Template & How to File a Credit Dispute

Remove the mystery of the Section 609 Letter as we explain how to submit a credit dispute letter and debunk credit repair hogwash like the secret 11 words!

How To Get LVNV Funding Off Your Credit Report and Out Of your Life

How To Get LVNV Funding Off Your Credit Report and Out Of your Life

Follow these steps to remove LVNV Funding LLC collections agency from your credit report and stop the harassing phone calls.

Extra Debit Card Review

Extra Debit Card Review (2023)

13 mins read
Best Secured Credit Cards

Best Secured Credit Cards of 2023

18 mins read
How to Remove Jefferson Capital Systems From Your Credit Report

How to Remove Jefferson Capital Systems From Your Credit Report

Is Jefferson Capital Systems showing up on your credit report? Find out what you need to do to remove them and get your credit score back on track.

Best Credit Repair Software

5+ Best Credit Repair Software Compared (2023)

This guide to the best credit repair software takes a look at the 5 top credit repair software solutions to help you choose the right one.

Best Rent Reporting Services

12 Best Rent Reporting Services In 2023

Not all rent reporting services are created equal. To maximize your credit score increase you need to choose the best rent reporter for you. Learn how!

Sample Pay for Delete Letter for Credit Report Cleanup

Sample Pay for Delete Letter for Credit Report Cleanup

After much testing, we have written a sample pay for delete letter that you can use to get started. Download it here 100% for free.

Best Credit Building Tools

11 Best Ways to Build Credit in 2023

24 mins read
How to Get IC System Off Your Credit Report and Off Your Back

How to Get IC System Off Your Credit Report and Off Your Back

13 mins read
Credit Score Statistics

15+ Credit Score Statistics for 2023

Want to know the current state of credit scores in 2022? We compiled this list of credit score statistics to answer all your questions.

Self Credit Builder Loan Review

Self Credit Builder Loan Review 2023: No Credit Check

This Self credit builder review will tell you everything you need to know about how this product can help improve your credit.

Cred.ai Review

Cred.ai Review 2023: Can It Really Help You Build Credit?

In this Cred.ai review, we'll explore how this system helps build you build credit and who the Unicorn card is best suited for.

Experian BOOST™ Review

Experian BOOST™ Review: The Pros & Cons of Boost (2023)

Learn what Experian Boost™ is, how it works, how it helps improve your credit score, and the pros & cons of using it.

Sample Goodwill Letter Template to Remove Late Payments

Sample Goodwill Letter Template to Remove Late Payments

We tested over 15 goodwill letters to find out which one works best and we found it. Download the winning version 100% free!

Build credit with a debit card

Yes, You Can Build Credit with a Debit Card. Here’s How!

In this blog post, we take a closer look at why you couldn't build credit with a debit card before, and why you can now.

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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

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