Credit Score Rebuild Guide
Where Can I Check My Credit Report?
The average credit score of Americans according to the FICO scoring model is 711. This is considered “good” credit, with a score over 720 considered excellent. However, 16% of consumers have a “very poor” credit rating, while 18% of the population only…
The Importance Of Building Credit
Credit is scary for many, and for good reason. The average American is over $52,000 in debt, and that’s not a situation anybody wants to find themselves in. Luckily, boosting your credit can save you money on interest, help you stay…
Why and How to Start Rebuilding Credit
Your credit score has needed help for a while. Maybe you were underemployed while also dealing with student debt. Maybe at some point, you were one of the 33 percent of American adults who have experienced identity theft. Or maybe that’s not you….
How To Build a Good Credit Score Fast (August 2021 Update)
Building a Good Credit Score is a long term goal, not a short term goal. And yes, you can remove negative information lightning fast but you have to have a long term goal in order to build your credit. There…
What Are the Major Credit Reporting Agencies and What Do They Do?
The Fair Credit Reporting Act (FCRA) gives consumers various rights when it comes to the accuracy of their credit reports. But those protections don’t mean anything if you don’t know what your credit report says. Several credit reporting agencies in the U.S. manage that…
What Is a Credit Dispute and How Does It Work?
An alarming study conducted in the past few years found that many Americans aren’t sure what their credit scores were. In fact, it was discovered that many Americans weren’t even really sure what a credit score was for. Like it or not,…
686 Credit Score: Is it Good or Bad?
What is a credit score of 686 considered? FICO scores range from 300 to 850. As you can see below, a 686 credit score is considered Good. Excellent Score = 800-850 Very Good Score = 740-799 Good Score = 670-739 Fair…
5 Steps to Remove Student Loans from Your Credit Report
Student loans are one of the most common ways that people finance their college education. However, they can also have negative consequences once you graduate, including a hit to your credit score and difficulty finding employment because of the debt…
7 Solutions for Fixing Bad Credit
Nearly a third of all Americans have a credit score that is considered bad or below 601. Bad credit can be a real problem as you try to do adult things like buy a house or a car or even get a…
What Is Credit Monitoring and Why Might You Need It?
Around 16% of Americans have bad credit. Some of these individuals have poor credit scores from fraud, while others have low scores from mismanaging their finances. If you care about your credit, you might want to consider hiring a company that offers…