Learn: free credit guides
Plain-language guides so you understand your credit, whether or not you hire us.
Guides
How to repair your credit: step by step
You can do every step below yourself for free. We wrote this so you know exactly what a credit repair company…
What is a good credit score?
Most scores you'll see run from 300 to 850. For FICO, about 670–739 is considered "good". VantageScore uses…
Does paying a collection raise my score?
It depends on the scoring model. Newer models such as FICO 9 and VantageScore 3.0/4.0 ignore paid collections.…
How to spot a credit repair scam
The FTC (Federal Trade Commission) warns that only scammers promise to remove all negative information from your…
Topics
Collections on your credit report
A collection can hurt your score for years. Some are true. Some are not: the wrong balance, a debt that isn't…
Charge-offs and late payments
A charge-off means the lender wrote off the debt as a loss. You may still owe it, and it can still show up. But…
Rebuilding credit after bankruptcy
Bankruptcy can be reported for up to 10 years (CFPB). What often goes wrong is how the discharged accounts are…
Building credit from zero
No history isn't bad credit. It just means lenders can't see you yet. These are legal, proven ways to…
Credit with an ITIN
Have an ITIN instead of a Social Security number? You can still build credit in the US. Some banks and credit…
Identity theft
If you see accounts or inquiries you don't recognize, act fast. Several steps are free and you can do them…
Credit repair in Miami
We're from here. We help people all over Miami-Dade: Westchester, Kendall, Little Havana, Hialeah, Doral and Miami…
Coming soon
- Charge-offs: what they are and how disputes work
- Bankruptcy Chapter 7 vs. 13: how long it lasts and how to rebuild
- ITIN credit: starting from zero
- New to Miami: building credit your first year
- Raising your score before a Florida mortgage
- Credit for buying a car in Miami
- Identity theft: how to report it
- Goodwill letters for late payments
- Hard inquiries
- How to read your credit report
- How to get your free reports
- Is credit repair legal in Florida?
- AI in credit repair: what it does and doesn't do
- Business credit for your LLC: the basics