Free guides on FICO scores, dispute strategies, collections, and building credit from scratch.
February 27, 2025
Your credit report contains errors more often than you think. Learn how to read it and exactly how to dispute mistakes.
Read more →February 25, 2025
No credit history? Here's the exact order of operations to go from invisible to 680+ in 12–18 months.
Read more →February 23, 2025
Breaking 800 is harder than most people expect. Learn exactly what's holding your score at 750–780.
Read more →February 20, 2025
A credit freeze blocks anyone from opening new credit in your name — and it's free. Here's how to do it in minutes.
Read more →February 18, 2025
Bankruptcy isn't permanent. A realistic timeline and step-by-step plan to recover faster than you think.
Read more →February 16, 2025
Being added as an authorized user can add years of perfect history to your report overnight.
Read more →February 13, 2025
A goodwill letter can remove legitimate late payments as a courtesy. Learn the exact format and saturation method.
Read more →February 11, 2025
Secured credit cards are the #1 way to build or rebuild credit with no history. Learn how to use them right.
Read more →February 9, 2025
Credit utilization makes up 30% of your FICO score and can change month to month. Learn to lower it fast.
Read more →February 6, 2025
Collections can be removed — even legitimate ones. Learn pay-to-delete, goodwill letters, and the dispute process.
Read more →February 4, 2025
FICO scores are what lenders actually use — not Credit Karma. Here's how FICO works and what affects it.
Read more →February 2, 2025
A 100-point jump in six months isn't magic — it's math. Fix errors, reduce utilization, remove negatives.
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