Credit Building Blog

By:

Amy Gilmore

October 24, 2022

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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…

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By:

Shaun Connell

October 21, 2022

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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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By:

Amy Gilmore

October 17, 2022

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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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By:

Shaun Connell

October 14, 2022

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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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By:

Shaun Connell

October 7, 2022

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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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By:

Shaun Connell

September 30, 2022

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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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By:

Shaun Connell

September 23, 2022

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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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By:

Shaun Connell

September 15, 2022

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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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By:

Shaun Connell

September 8, 2022

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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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By:

Shaun Connell

September 1, 2022

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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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By:

Shaun Connell

August 25, 2022

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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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By:

Shaun Connell

August 18, 2022

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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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By:

Shaun Connell

August 11, 2022

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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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By:

Shaun Connell

August 4, 2022

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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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By:

Shaun Connell

July 29, 2022

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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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