What Should I Do with $22,000 When I Have Reduced Pay Due to COVID?
A reader has money right now, but she has no idea what to do with it.
Howard Dvorkin
8 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 Often is Your Credit Score Updated?
Debt.com chairman Howard Dvorkin, CPA, answers three questions from readers wondering when their credit scores will bounce back.
Howard Dvorkin
6 minute read
Can My Credit Card Company Cut My Credit Limit Without Notice?
A reader is mad because it’s happened to her – and she’s never been late with a payment.
Howard Dvorkin
5 minute read
Can a Business Legally Refuse to Take My Cash?
A reader walked out of a store that took credit cards only. Can he sue them?
Howard Dvorkin
5 minute read
What’s the Best Strategy to Cancel a Credit Card?
Canceling a credit card may negatively affect your score. Learn how to cancel a credit card to minimize the damage and how to decide which card to close.
Laura Adams, Quick and Dirty Tips
3 minute read
Are Store Credit Cards Really a Good Idea?
A reader wants to know if having 12 of them is helping or hurting her.
Howard Dvorkin
8 minute read
What Should I Do If I Made a Mistake While Disputing Charge-Offs?
A reader wonders what to do after accidentally reporting a charge-off as ID theft.
Ashley Davison
10 minute read
Should I consolidate my credit card debt?
Debt consolidation loans don’t always work, especially if you run up new credit card balances too quickly. Know the right time to consolidate your credit.
Howard Dvorkin
4 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.
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