If you’ve ever searched “how to fix your credit,” you’ve probably seen it all: fast fixes, shady hacks, and conflicting advice. The credit repair space is full of noise. Unfortunately, a lot of that noise is just flat-out wrong. Some of these myths have been floating around for years. No matter how many times they […]
If you’ve ever applied for a loan, tried to rent an apartment, or even gotten a quote for car insurance, chances are your credit score played a role in the outcome. But what actually is a credit score—and how is it calculated? Let’s break it down in plain English so you can finally understand the […]
If you’re reading this, chances are your credit score isn’t where you want it to be, and you’re ready to do something about it. First, take a breath. You’re not alone, and the situation is absolutely fixable. Credit repair isn’t magic, but it also isn’t as complicated as some make it out to be. This […]
Errors on your credit report can impact your credit score and financial opportunities. If you notice incorrect information, you have the right to dispute it for free. Understanding how to dispute credit report information and correct errors is essential to maintaining an accurate credit profile. Whether you choose to file a dispute online, by mail, […]
If you’ve been reviewing your credit report and come across the term “derogatory,” you’re not alone in wondering what it means. While the word itself sounds serious—and it is—it doesn’t have to be the end of the road for your credit. Don’t Let Derogatories Define You Yes, derogatory marks hurt your credit—but they don’t define […]
