Credit Building Tips

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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…
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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…
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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,…
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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…
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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…
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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…
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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…
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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…
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Person Reviewing Reports
By:
Shaun Connell
September 1, 2022
3 Min Read

Why Is “Remark Removed From Account” on My Credit Report?

You may be wondering what it means when you see a notation on your credit report that says, "remark removed…
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Calculating Total Debt
By:
Shaun Connell
August 25, 2022
3 Min Read

Debt Stats: What Percentage of American Citizens Are In Debt?

If you're curious where you stand in relation to the average amount of debt Americans have as individuals or how…
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Writing a 609 Dispute Letter
By:
Shaun Connell
August 18, 2022
3 Min Read

What is a 609 Dispute Letter, and Do They Work? (With Template)

Before your toes start to curl when you read the word "dispute," let me reassure you. A 609 dispute letter…
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How Tradelines Work
By:
Shaun Connell
August 11, 2022
3 Min Read

FAQ: How Do Tradelines Work, and Are They Legal to Use?

If you haven't heard the term "tradelines" before, sit back, grab a cup of coffee and let me tell you…
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Deleting a Debt
By:
Shaun Connell
August 4, 2022
3 Min Read

What is a "Pay For Delete" and How Does It Work?

Whenever you have a debt that you cannot pay, that debt has a chance of being sent to collections. Being…
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Calculating Medical Payments
By:
Shaun Connell
July 29, 2022
3 Min Read

FAQ: Can You Dispute Medical Payments and Collections?

There are a few kinds of unexpected expenses that are common in America, but few are as prevalent and as…
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Man Using Credit Repair Program
By:
Shaun Connell
July 21, 2022
3 Min Read

The 10 Best Credit Repair Software Programs in 2022 (Updated)

There are a ton of different ways to build and repair your credit. Some of them take years of hard…
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