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Understand, Build and Manage

Your Credit Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. Understanding how credit plays an important role in your life is an important step to improving your credit scores which can often help you qualify for better rates from lenders, which can save you money.

We believe the more insight you have about credit, the easier it is to strengthen your financial well-being. For more than a decade, has been America's number one Credit Repair provider of credit information. In addition to credit report repair, we offer help online to teach you how to successfully manage your credit rating.


What's in a credit report?
What's a credit bureau?
What's included in a credit report?
What's NOT included in a credit report?
Types of information in a credit report
Where does the information come from?
Who can see my credit report?
What is a credit score?
How are credit scores calculated?
What is a "fico" score?

We give you the inside scoop...

First Things First Your Credit Report
FICO and You
Next Things Next Finding Your Score
Establishing Good Credit
Repairing Your Credit Score
Identity Theft and Your Credit
Raising Your Credit Score

First Things First – Your Credit Report

The very first thing you need to do when trying to raise your credit score is to find out what your FICO score is and what it means. Legislation called the FACT ACT was passed that allows all Americans to get one free copy of their credit report every year. This report lists all of the debts you have had and your payment history on those debts.

It will tell you where you owe money, how much you owe, and how you pay (on time, 30 days late, etc.). All of that information is compiled together and then analyzed.

After the analysis, a number is assigned to you as to what your credit fitness level is. Potential creditors then look at your credit score and decide if you are requesting to borrow.

That’s the short version. Actually, there is much, much more involved in determining your credit score. However, what should be important to you is knowing how to read your credit report and how to raise that score so that you are able to get the things you need. Remember that – the things you NEED, not the things you WANT!

Let’s start with how to get your credit report in the first place. There are three major credit reporting agencies that offer you a free credit report you get each year. They are Experian, TransUnion and Equifax.

Why is it important you get a free credit report from all three agencies? Creditors can pick and choose which credit reporting agency they want to report to. Some will report to all three, but many will not. You may find that what is included on one report is not on another. The reports will have different information because it is a voluntary system, and creditors subscribe to whichever agency they want - - if any at all.