Credit Blog
Credit Blog: Tips to Raise and Repair Your Credit
Practical, plain-English guides to understanding your credit score, fixing what's holding it back, and building credit that lasts.
How to Read Your Credit Report: A Section-by-Section Guide
Credit reports are packed with codes and abbreviations. This guide walks through each section so you know exactly what you're looking at, and what to check.
Read article · 8 min → Credit ScoresWhat Is a Good Credit Score? Ranges Explained
Credit scores range from 300 to 850, but what counts as good depends on the model and the lender. Here's what each range means for you.
Read article · 7 min → Raise Your ScoreHow to Raise Your Credit Score Fast: 9 Proven Steps
Some credit fixes take years. These take weeks. Here are the steps that can move your credit score fastest, and a few that can backfire.
Read article · 8 min → Raise Your ScoreCredit Utilization Ratio: What It Is and How to Lower It
Credit utilization is the second-biggest factor in your credit score, and one of the easiest to improve. Here's how it works.
Read article · 6 min → CollectionsMedical Debt on Your Credit Report: Rules and Your Rights
Medical debt is treated differently from other debt on credit reports. Here's what the current rules are and how to handle medical collections.
Read article · 7 min → Auto CreditRepossession on Your Credit Report: What It Means and What to Do
A repossession hits your credit in more than one way. Here's how it's reported, what you may still owe, and how to start rebuilding.
Read article · 7 min → BankruptcyBankruptcy and Your Credit Report: What Happens and How to Recover
Bankruptcy is a fresh start, but your credit reports need to reflect it correctly. Here's what to expect and what to check.
Read article · 8 min → Auto CreditWhat Credit Score Do You Need for a Car Loan?
There's no official minimum score for an auto loan, but your score has a big impact on your rate. Here's what lenders look for.
Read article · 7 min → Build CreditHow to Rebuild Credit: A Step-by-Step Plan
Whether you're recovering from past mistakes or starting over, these steps build the positive history that brings your score back.
Read article · 8 min → Credit RepairDIY Credit Repair vs. Hiring a Credit Repair Company
You can fix credit report errors yourself for free. So when does it make sense to hire help? An honest comparison.
Read article · 7 min →Ready to find out what's on your reports?
A free credit assessment is a no-pressure way to go over your Equifax, Experian and TransUnion reports with a credit specialist and learn what 30 Day Credit Pros can help with.
Get a Free Credit AssessmentPrefer to talk? Call 801-841-2055.