Credit Building Tips

Credit Building Blog

Newly Opened Credit Card
By:
Shaun Connell
December 3, 2022
3 Min Read

FAQ: Does Opening a New Credit Card Increase My Credit Score?

It's hard to maneuver through today's world without credit. Gone are the days when you could have a cash-only life.…
Read Article
Person Reviewing Credit Score Drop
By:
Shaun Connell
November 27, 2022
3 Min Read

My Credit Score Dropped 100 Points — Why Did This Happen?

It's always a little heart-stopping when you check your credit report and see your score has dropped by 100 points.…
Read Article
Using a Second Chance Credit Union
By:
Shaun Connell
November 18, 2022
3 Min Read

How to Use Second Chance Credit Unions to Rebuild Your Credit

If you need to rebuild your credit, you're not alone. In 2022, 15.5% (39.28 million) of Americans have bad credit,…
Read Article
Contacting the Credit Bureaus
By:
Shaun Connell
November 11, 2022
3 Min Read

Credit Bureaus Contact Info: Experian, Equifax, and TransUnion

Did you know there are nearly 40 credit reporting agencies in the U.S.? But you've probably only heard of three…
Read Article
Applying For a Credit Card
By:
Shaun Connell
November 5, 2022
3 Min Read

Are There “Guaranteed Approval” Credit Cards for Bad Credit?

Are there such things as "guaranteed approval" credit cards for people with bad credit? Doesn't it sound a little like…
Read Article
Woman Reviewing Late Payments
By:
Shaun Connell
October 28, 2022
3 Min Read

How to Remove Late Payments Incurred During COVID-19

It's easy enough to make a payment late during the best of times, but with the effects of COVID-19 still…
Read Article
how to build credit
By:
Amy Gilmore
October 24, 2022
3 Min Read

How to Build Credit When You Have No Credit History

Knowing how to build credit when you have no credit history is something everyone needs to know. Unfortunately, many Americans…
Read Article
Writing a 611 Dispute Letter
By:
Shaun Connell
October 21, 2022
3 Min Read

611 Dispute Letters: What Are They and How Do They Work?

You may be surprised to learn that many Americans currently have issues with their credit scores — and it's not…
Read Article
prepaid credit card
By:
Amy Gilmore
October 17, 2022
3 Min Read

Does a Prepaid Credit Card Build Your Credit Score?

A prepaid credit card might be convenient for paying bills if you do not have a bank account. However: Prepaid…
Read Article
Poor Credit Score
By:
Shaun Connell
October 14, 2022
3 Min Read

How Many Points Does a Collection Make a Credit Score Drop?

One of the most recent surveys reports that 77% of Americans are anxious about their financial situation regarding money, credit,…
Read Article
Paying Off Collections Debt
By:
Shaun Connell
October 7, 2022
3 Min Read

Does Paying Off Collections Help Improve Your Credit Score?

Even the most financially savvy of us may find ourselves in a position where we get behind on paying our…
Read Article
Person Reading Their Credit Score
By:
Shaun Connell
September 30, 2022
3 Min Read

How to Get Scores From All Three Credit Bureaus (For Free!)

Now that the COVID-19 pandemic seems to be in the rearview mirror as far as the government is concerned, they…
Read Article
Woman Reviewing Credit Score
By:
Shaun Connell
September 23, 2022
3 Min Read

My Credit Score Hasn’t Changed or Moved in Months - Why?

Many people Google online to find out why their credit score isn't changing. CRedit (Reddit's credit subreddit) is a forum…
Read Article
Factual Data Report
By:
Shaun Connell
September 15, 2022
3 Min Read

Why Does a “Factual Data” Inquiry Appear on My Credit Report?

If you've looked at your credit report lately, you may have seen a "Factual Data" inquiry and wondered what it…
Read Article
A Debt Verification Letter
By:
Shaun Connell
September 8, 2022
3 Min Read

How to Write a Debt Verification Letter in 2022 (Free Template)

Over half of Americans (53%) surveyed in 2019 say that debt reduction is one of their top priorities. That same…
Read Article
Get Our Credit Building Tips Newsletter
Subscribe to receive information, free guides and tutorials