How is a Cosigner’s Credit Affected by Bankruptcy?
A reader worries his stepdaughter’s decision to file for bankruptcy will ruin his chance of getting a good rate on his mortgage.
Gerri Detweiler
5 minute read
Start Building Better Credit Today
Good credit is essential. You qualify for loans and credit cards at the best rates and terms, saving money and making it easier to manage debt. But if you’ve faced financial challenges, your credit score may not be where you want it. The good news is that with the right tools and services, you can take action to fix your credit. And it often takes less time than you might think.
[On-screen text] Credit Help Solution Center
Welcome to Debt.com’s credit help center. Here you can find solutions and services to achieve a great credit score. Good credit is crucial to reach key financial goals. But if you’re new to credit or you’ve had trouble with debt in the past, you may struggle to get approved for credit or loans at the best rates.
In this section, you’ll learn how to review and repair your credit by disputing mistakes and discrepancies in your credit report. We hope you can use the information and services available to build a better credit profile.
We are A-plus rated by the Better Business Bureau and have helped thousands of people become financially stable. To get started, fill out a form or, better yet, give us a call right now and we’ll match you with the right service provide, so you can get the credit you deserve.
When life happens, we’re here for you.
[On-screen text] Debt.com – when life happens. Call 844-402-3574
CUSTOMIZE A PLAN TO ACHIEVE GOOD CREDIT
Let Debt.com match you with the right tools and services to fix your credit fast.
Money in a minute. What is credit repair? Credit repair is a lot like auto repair. Your car breaks down, you bring it to the shop to change worn parts and clogged filters. Just like your car, your credit can run rough after it can gather mistakes that can sit to it. Maybe, a debt you never rang up, maybe someone with a similar name never paid their bills and it inventeranly got attached to your credit card. That happens more than you might think. The federal government estimates that 1 in 5 Americans have a mistake on at least one of their credit reports. That’s right, that’s more than one credit report. Each of the big three credit bureaus, Equifax, Experian and TransUnion, has one with your name on it. And you can get your report free once a year and dispute any errors. Learn how on Debt.com and get your credit firing on all cylinders once again.
What is Credit Repair and Why Do You Need It?
While you might trust the credit bureaus to maintain accurate information in your credit reports, sadly, errors happen. Mistakes on your credit report can decrease your score, leading to rejected loans and higher interest rates. It’s up to you to take steps to keep your credit running smoothly. That’s where credit repair comes in.
Learn MoreMapping America’s Credit
New technology is making it easier than ever to review new information in your credit report and track changes your score. That may explain why the average American FICO credit score topped 700 in 2017. But that same technologic convenience also places you at higher risk of identity theft. Research shows that the number of threats from data breaches to hacks are increasing almost daily.
More Statistics
TAKE ACTION TO IMPROVE YOUR CREDIT TODAY
Debt.com has solutions that can help you raise your credit score in the next 30 days. Talk to a specialist to find the right credit services for your needs.
How-To Guides for Credit and Identity Theft
Taking the right steps to improve your score and protect your personal data is essential. That’s why Debt.com has created a series of how-to guides that walk you step-by-step through key credit-related processes. Learn how to review and manage your reports, improve your score and deal with ID theft. That way, you can be proactive when it comes to improving your credit profile.
START FIXING YOUR CREDIT
You know you want a better score, but you may not know how to get there. If it’s the first time you’ve focused on your profile, these resources can help you start taking the right steps to improve your credit step-by-step. Learn the basics, so you can start working towards a better score the right way!
REPAIR YOUR CREDIT
Maintaining a clean-error free credit report is the first and most important step in fixing your credit. You have a right to dispute negative information in your report that you think is a mistake. Credit repair helps you correct these mistakes, which can help you start improving your credit in as little as 30 days.
BUILDING CREDIT
Building credit refers to taking strategic steps to improve your FICO score. Achieving a better FICO is easier when you use a credit monitoring tool because you can track changes. You’ll know exactly how much certain actions improve your score. You also need to know what actions to avoid that can damage your score.
CONSUMER CREDIT RIGHTS
There are a range of federal consumer protection laws that specifically focus on credit. These laws govern who can access your report and what it can say. They also provide paths to file claims if you’re the victim of identity theft. Knowing the laws that protect your rights can help you act quickly and avoid scams.
IDENTITY THEFT
Protecting your identity is a big part of maintaining good credit. Cyberthieves can steal your personal data or credit account information and commit fraud in your name. It can damage your score and lead to loan rejections. You need to protect your identity!
CREDIT BASICS
Most of us never got a class in what credit is and how to use it. As a result, you may not know everything you need to know to use credit strategically. These resources can help you master some basic credit-related concepts you need to be successful.
STILL NOT SURE WHERE TO START TO FIX YOUR CREDIT? WE CAN HELP!
Debt.com can match you with accredited credit repair companies to help you start working towards a better credit score quickly. Clean up your credit report so you can start building credit today.
Have Questions about Your Credit?
Debt.com’s panel of credit experts is here to answer any questions you have about how to achieve the good credit score you need. Whether you’re wondering about credit repair, want to know how to spot credit scams or you just need advice on how to avoid hurting your FICO score, we can help. These are some of our most popular questions about credit. If you can’t find what you’re looking for, just hit the “Ask a Question” button below to ask our experts directly.
How Does Credit Utilization Work?
Is high credit utilization negatively affecting your credit score? Learn how to reduce overall usage and when you can expect to see it go down.
Ashley Davison
6 minute read
Why are TransUnion and Equifax Scores so Different?
Credit reports from different reporting agencies don’t always match. In some cases, those discrepancies can have a big impact on your score.
Laura Adams, Quick and Dirty Tips
6 minute read
Why Can’t I Get My Identity Verification With a Credit Bureau?
A reader got one of his credit reports, but Equifax and Experian can’t verify his identity.
Gerri Detweiler
9 minute read
What Is The Fastest Way Possible to Improve My Credit Score?
He wants to buy a house next year, but his credit score will keep him back – unless he does this.
Howard Dvorkin
7 minute read
How Do You Beef Up A Credit Score When You’re Still Paying Down Debt?
A reader has suffered five collections. Is she doomed?
Terry Cordell
9 minute read
Why Did My Credit Score go Down Two Years After My Bankruptcy?
A reader is also confused that he has two different scores.
Howard Dvorkin
3 minute read
If I Pay Off My Credit Card, When Will My Credit Score Go Up?
A reader can pay off her credit card now, but she’s not sure it’s worth it.
Howard Dvorkin
7 minute read
Latest News about Credit
How Financially Resilient Are You During the COVID-19 Pandemic?
FICO’s new index offers banks and lenders new insight into your financial resilience potential.
Deb Hipp
3 minute read
Credit Builder Loans Pros and Cons: Are they Worth It?
Could they raise your score by 60 points or drop it by three? Boosting your credit score is neither tricky nor sexy. It takes organization and discipline.
Steve Rhode
9 minute read
How can I Protect My Credit Score During COVID-19?
Don’t allow your credit to take a hit from these crucial credit score components.
Deb Hipp
4 minute read
6 Things a Credit Check Tells Potential Employers
Red flags on a pre-employment credit check can scare away the employer of your dreams.
Deb Hipp
5 minute read
6 Ways to Protect Your Credit During the COVID-19 Pandemic
Here’s how to keep your credit rating in good health, even in scary financial times.
Deb Hipp
5 minute read
5 Ways Credit Counseling Can Help You Pay Off Debt
A nonprofit credit counseling agency can help you pay off debt and manage money better.
Deb Hipp
3 minute read
5 Effective Ways to Get a Loan with Bad Credit
If you have bad credit or no credit, getting a loan may be a challenge, let alone a loan with a manageable interest rate.
Laura Adams, Quick and Dirty Tips
6 minute read
7 Steps to Repair Your Credit and Increase Your Score
Getting your credit back on track is easier than you think. Here’s how to get started.
Deb Hipp
6 minute read
DISCLAIMER: Debt.com does not provide credit oriented services, but, upon request, acts as a locator service for BBB registered companies. Such credit report resolution specialists will not remove any derogatory information (defined as accurate negative information appearing on a Client’s credit report that actually belongs there), nor will such credit report resolution specialists assist you on improving your credit rating. Instead, as Credit Repair Organization Act compliant companies, such credit report resolution specialists will solely assist you in removing or correcting inaccurate information appearing on your credit reports. While Debt.com endeavors to connect individuals and families with appropriate professionals and resources, individual situations and results will vary from person to person. It is ultimately up to you to determine whether the companies that we may introduce you to are appropriate for your situation.
See additional Advertising Disclosures