Looking to finance a car, buy a home, or rent an apartment? Start by fixing your credit.
Get My Free Credit ReportGuaranteed 125+ point increase in 90 days. Some clients see results in as little as 10 days with our proven system.
Solutions as unique as your fingerprint. We create personalized repair strategies based on your specific credit profile.
Track everything with your secure dashboard. See real-time updates and monitor your credit score improvements 24/7.
If we can't help you, you don't pay. We stand by our results and process with a comprehensive satisfaction guarantee.
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We analyze your credit reports for inaccurate, outdated, or fraudulent information that's hurting your score.
We dispute negative items with credit bureaus and creditors, leveraging our expertise to get results fast.
We proactively manage and monitor your credit score improvements, helping you maintain long-term credit health.
A credit report contains information about an individual's credit history and financial background. Your credit report will include your full name, any aliases, current and previous addresses, date of birth, Social Security number, phone numbers, and employment.
It will list all types of credit accounts, such as credit cards, loans, and mortgages. Also included are public records (such as tax liens, legal judgments, bankruptcy and foreclosures), credit inquiries from credit applications and soft inquiries for pre-approved offers, and accounts sent to collections for overdue debts.
Credit reports do not include checking or savings account details, income, investments, or criminal records. Credit reports are essential for lenders and others assessing creditworthiness and are used to calculate credit scores.
Your credit score is a 3-digit number between 300 and 850 that shows how creditworthy you are. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate.
Credit scores are calculated using a 5-part formula, calculated based on the following factors: payment history, amounts owed, length of credit history, mix of types of credit, and amount of new credit.
What We DoGood credit is crucial for family members living in the same household as it directly influences financial opportunities and stability for everyone involved.
Enrolling a partner or spouse in a credit-building program while building your own credit can be beneficial for several reasons. First, having strong credit scores for both partners is crucial when applying for joint financial products like mortgages or car loans, as lenders often consider the lower credit score to determine eligibility and interest rates. This means that even if one partner has an excellent credit score, a lower score from the other can result in less favorable loan terms.
All activity is visible in your personal monitoring dashboard, giving you complete transparency throughout the repair process.