How to Improve Credit Score in 30 Days

How to Improve Credit Score in 30 Days - Credit Repair

Your credit score matters. Someone can take one look at your score and determine your mortgage and car loan rates, consider whether or not to approve your apartment or credit card application, and even decide whether or not to hire you for employment.

Your credit score impacts many aspects of your life. Therefore, it’s vital that you start raising your score now (that perfect house isn’t going to be on the market forever). Keep reading to discover how you can improve your score in as little as 30 days!

Here’s how to improve your credit score in 30 days:

1. Pay down revolving balances to less than 30%

how to improve your credit score in 30 days

Your aggregate debt and the amounts owed on all credit cards and all installment accounts make up about 30% of your credit score. The most common revolving balances are amounts owed on your credit cards. However, there is a big difference between the revolving balances of someone with a 780 credit score and a 680 credit score.

  • Credit score of 680 → revolving balances of 40%-50% of their credit card limits.
  • Credit score of 780 → revolving balances of 15%-25% of their credit card limits.

Essentially, don’t worry too much about paying installment accounts. They have a low impact on your score. Instead, pay your revolving balances off as soon as possible. At the very least, aim to pay those balances down to less than 30%. This will help to improve your credit score in 30 days or less.

2. Remove recent late payments

A single late payment can drop your credit score by 60 to 110 points. Yikes!

  • A 680 credit score → a 30-day late payment can drop your score by 60 to 80 points. On the other hand, a 90-day late payment can drop your score 70 to 90.
  • A 780 credit score → a 30-day late payment can drop your score by 90 to 110 points. In contrast, it can drop 105 to 135 points if you have a 90-day late payment.

The difference between a person with a 780 score and a 680 score is that the 780 score has no late payments, while a person with the 680 may have a 30 day late payment within the last year or a 90 day late payment 2 years ago.

Removing a late payment will take persistence. There are a couple of ways to request removal. The most common and effective way is to call the original creditor and ask for a goodwill adjustment. If they resist, you can even negotiate the removal of the late payment by agreeing to sign up for automatic payments. For other late payments, you can file a dispute against the late payment for inaccuracy.

3. Remove a collection account

how to raise your credit score in 30 days

People with a 780 credit score do not have any collections or other major derogatory items on their credit report. If you do have a collection account reporting on your credit report, you should try to get the collection deleted.

Do NOT just pay a collection. A paid collection usually doesn’t help improve your credit score! Instead, negotiate a “pay for delete” IN WRITING with the collector. Only when you have a written agreement should you pay a collection account, and then work on getting the account deleted.

4. Raise your credit limits

Call your credit card companies and request a raise to your credit limits. Ask if they can raise your credit limit with a soft pull of your credit since a hard inquiry will appear under the “New Credit” category of your FICO score. If you can negotiate an increase of your credit limit with a soft inquiry, then you will instantly decrease your revolving balance ratio (revolving balance divided by your credit card limits).

If you have low balances and good payment history, then your chances of successfully executing this tactic will increase.

5. Charge small amounts to inactive credit card

how to improve credit score

It’s easy to neglect older credit cards when you have a primary credit card that you use every day. If your credit cards haven’t had activity in the last six months, charge a small amount to the credit card. Creditors want to see that you are using the credit available to you as well as paying the balances off responsibly. Charging a small amount and paying off the balance shows that you have a different mix of credit in use, which makes up a portion of your FICO score.

6. Get credit

No credit equals bad credit. You need credit accounts to be reporting to your credit report in order to improve your credit score. You must have at least 1 open revolving account, even if you have no negative accounts. In addition, this revolving credit account must have been used in the last 6 months.

There are a couple of ways to get credit to improve your credit score in 30 days. One way is opening a secured credit card, with preference being given to a card that reports as an unsecured card with your credit limit to all three bureaus.

The other way is to add yourself to a seasoned tradeline. Someone with good credit history can add you as a co-signer, where you are equally responsible for all debt. Or, they can add you as an authorized user, where you are not responsible for any of the debt – and Mortgage FICO 5 will count the history as yours.

Start Improving Your Score Today!

If you need to improve your credit score as soon as possible, you could benefit by enlisting the help of a credit repair company such as Go Clean Credit. To learn more about our credit repair programs, please contact us.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

How Does Credit Work: The Beginners Guide

how does credit work

Borrowing money enables people to make purchases without paying cash. Buying a home, purchasing a car, or taking care of smaller day-to-day expenses are just some of the things people use credit for. However, credit works similarly to loans and must be paid back in full. One major difference between a loan and a credit card is that the cardholder chooses how much to spend their money on, and then they must pay back the amount spent. On the other hand, loans are a fixed amount of money that is repaid over a selected amount of time. So how does credit work?

A credit report thus tracks whether a person is reliably paying off his or her debt when payments are due, or if s/he fails to make the payments on time. Most individuals who have student loans, have purchased a home or car, and/or have used a credit card have a credit score. Essentially, your credit score communicates to lenders how likely you are to pay back your debt, as well as how likely you are to pay it back on time. So now you know what it is, you’ll want to know the answer to the question of how does credit work?

Why is it important to know your credit score?

A good credit score can make it possible for you to receive better terms and conditions when taking out a loan. Additionally, it may even impact the interest rates of those loans. Therefore, it is important to know what your credit score is, as well as understand what it means.

  • Excellent credit: 750 and above
  • Good credit: 660-749
  • Fair credit: 620-659
  • Poor credit: 619 and below

An excellent credit score gets you the best financing terms available when you borrow money. For example, if you are buying a house with an excellent credit score, you will qualify for the lowest interest rates out there. In the span of a few years, the low-interest rates can save you thousands of dollars.

With a good credit score, on the other hand, interest rates will be a little higher if you wanted to borrow money. It might be a good idea to try and repair your credit score before taking out any loans.

Bad credit can make it difficult to qualify for many loans. Though there are loans available for people with poor credit, the interest rates can be very high. Luckily there are things you can do right now to help you raise your credit score! For example, you can pay off debt, ensure payments are made on time and use your credit. If you use your credit and then pay it off on time, you can actually raise your score.

Where can you find your credit score?

If you don’t know what your credit score is, don’t fret. There are a number of places where you can find your credit score. You can check with your credit card holder, use a credit score service, or use a variety of other options.

If you discover your score isn’t what you want it to be, contact Go Clean Credit. We know it can be scary to have poor credit, but we are dedicated to helping people raise their score in a way you can trust.

Do-It-Yourself Credit Repair Software: What to Know Before You Try

do it yourself credit repair software

Do-it-yourself credit repair software on the internet at the onset can seem very promising, but buyers beware! These products can do more harm than good if you are not doing your research into what they offer. You can run into a number of issues with security, not getting the results promised, or the credit issues are just too hard to fix by yourself.

It is important to know your current credit situation before you download DIY credit repair software, so you know what to expect from their services. For those of you who are thinking about purchasing do-it-yourself credit repair software, here are a few things you should know before you buy:

Internet Security Varies

With privacy being a huge issue today in the world of internet security, there are malicious spyware programs that are disguised into what looks like to be a harmless program. You might be a situation where you cannot afford to hire a credit repair specialist to help you increase your score, so you decide to buy and download an affordable or free program from the internet. These programs can be hacked by criminals who could encode a spyware program into simple credit repair software and you would have no idea.

As a consumer who is required to enter personal data into said credit repair program, the spyware that has been coded into the site can capture extremely sensitive financial data and spread it all across the internet. In no way are we saying that all do-it-yourself credit repair software programs contain malicious spyware, but this is a warning that it is not encouraged to download software that does not come from a well known, reputable company.

Improvement Isn’t Guaranteed

No matter what kind of issues you are trying to solve with do-it-yourself credit repair software, it can be tough to see improvements over a short period of time. Bad credit does not fix itself overnight and it might take some time before you see real results. However, without the help of a professional, you might have to wait even longer before you notice credible results. This is due to you trying to solve your credit issues yourself and not knowing the fast and easy ways to communicate with the credit bureaus or lenders.

Most credit repair issues require you to speak with someone from either your bank or bureaus. Without someone who has years of experience in communicating with these stubborn individuals, it can be tough to improve as fast as you would like. All in all, it’s best to find a credit repair company who can work with you even when your budget is small. Companies like Go Clean Credit,  do not treat you like a “number” and take the time to fully understand your unique situation.

Some Problems Are Too Tough

You might think that you can solve your credit repair issues by yourself because you caused them in the first place. Most people do not realize that these issues can be far more complicated than they thought. Without years of credit repair knowledge, you might find yourself stuck in a place where you can’t move forward and after all your hard work, you are back to square one.

Of course, this is not why you purchased do-it-yourself credit repair software and you need to find better alternatives in order to improve your credit score.

No One-Size-Fits-All Solution

As a consumer, you should ask yourself one important question. Is taking something as important as credit score into your own hands really worth the risk of causing further damage? Most people would answer no, and we would agree.

Your credit profile is something that will follow you throughout your entire life and it’s better to work with professionals who know what they are doing. No matter what your situation is, it is best to reach out to a credit repair company to see if they have programs available to help you through this time of struggle.

Go Clean Credit offers valuable credit repair programs to its clients while educating them every step of the way. The credit repair representatives at Go Clean Credit believe that education is just as important as improving your score, so they will make sure you understand every step of the way.

7 Foolproof Credit Hacks to Boost Your Credit Score

credit hacks

When your credit score is down, the way back up looks daunting – but it doesn’t have to be. Getting back on top will require determination and a bit of craftiness, but with the right guidance, it is perfectly doable. Here are seven credit hacks that will boost your score in no time. Pay close attention to each one and apply those that you can right away – you’ll see your score rise!

1. Remove Old Debts

Even after a debt has been settled, it remains on your record. Removing old debts from your record, then, is an essential part of getting back on track. Nobody is collecting on your old mortgage any longer, of course, but it can impact you all the same. Because it is on the record, it is weighed against you when your credit is run. Removing this old debt means contacting the lenders, sending letters, and stressing the importance of it all.

2. Make Payments on Time

Making payments on time isn’t so much of a hack as it is just a simple rule to follow. By making your payments on time, you can ensure that your credit score continues to rise and show responsibility. Any slip-ups in this department deal heavy blows to your score, so it is essential that you stay up-to-date.

3. Up Your Knowledge

Credit education is an integral part of the credit building process. Understanding how credit works and how it impacts your life will give you an advantage to building a great score. And an excellent credit score can make it easy to buy homes and vehicles as well as lower interest rates. Taking the time to study credit will yield impressive results in your finances in the long run. This is one of those credit hacks you absolutely need.

4. Use Your Credit

If you have a credit card, get another one. Use credit as much as possible and make sure that it is a credit that you can afford to pay. The more you use your credit and pay it off on time, the better it reflects on your FICO score. Make sure to keep monthly receipts to track your purchases; you do not want to let anything slip-up.

5. Be Mindful of Mortgages

Purchasing a home is a great experience that can help you boost your credit score. With that said, mortgages can also hurt you as long-term payment plans can weight your credit score down. The impact is not as severe as you would think, but it is something to be mindful of. Talk to a specialist about the subject and see what is right for you.

6. Unused Cards

A credit card that is open but has not been used in a while can hurt your credit score. Any remaining credit cards, then, need to be closed. Ensure you are staying on top of your credit cards and are keeping track of which ones you are using. Control is in your hands in this aspect.

7. Keep Records

Keeping records of purchases made and cards paid up-to-date can provide an advantage you would not believe. Having your finances in order allows you to see patterns of success and understand how to repeat them.

Maintaining an excellent credit score is about discipline and repetition. Be your own auditor and continuously check up on your progress. You will be glad you did.  


For more information about how to apply these credit hacks to your credit score, contact Go Clean Credit to get back on the right track. We have various different credit repair programs that are offered to help you overcome your unique credit situation. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today!


How to Get a Creditor to Remove a Late Payment

How to Get a Creditor to Remove a Late Payment

Late payments count toward your overall credit score, and they can hurt you even after they have been settled. That might not seem fair, but it is the truth of the matter. To be sure that late payments can no longer harm your score, in other words, they need to be removed. Removing a late payment can be a bit tricky, but professional creditors understand how to do so. Let’s look at the steps to take to get a creditor to remove a late payment from your credit history.

Do Late Payments Always Stay on Your Credit Report?

Late payments typically remain on your credit report for seven years. While they remain on your credit report, late payments can hurt your chances of getting loans. They can increase your interest rates, too. Getting rid of late payments, on the other hand, can help you boost your credit. It is essential that you monitor your report to ensure they are removed on time.

How to Remove Late Payments

Removing late payments will require a bit of craft and persistence, but it is entirely possible. Take a close look at the tips offered here and follow the one that best suits your situation. If all of them apply, that’s okay, too! In that case, follow all of them carefully and keep track of the steps you take. Remember that you want to keep monitoring your credit score to ensure the late payments have been removed.

Automatic Payments

It is possible to negotiate the removal of late payments by signing up for electronic payments on the account. This is a method that is beneficial to all parties involved. The company is guaranteed their payment and the offer shows goodwill on your behalf to stay on top of things. This is the most straightforward approach and should work so long as your relationship with the lender has not soured.

Goodwill Adjustments

Speaking of having a good relationship with the lender, a goodwill adjustment is another option. Removing late payments this way requires that you prove to the lender that your payment history is generally in good standing. Showing that you have only had a few slip-ups and writing a goodwill letter to the lender can help.

Point Out Inaccuracies

Look over your credit report and ensure there are no inaccuracies on it. Should you find any errors on your report, you must dispute them. The process can be lengthy, but if you stick to your guns, the late payment will be removed. Contact your creditor and inform them of any inaccuracies right away. The more informed you are regarding these matters, the better off you will be in the end.

Persevere

Now you have a better idea how to get a creditor to remove a late payment from your credit history. The process can take some time, but it’s worth the effort. In no time, you will find yourself in a better position than where you started. Stay focused and review your reports often to stay on top of any changes.


For more information about how to get a creditor to remove a late payment, contact Go Clean Credit to get back on the right track. We have various different credit repair programs that are offered to help you overcome your unique credit situation. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today!


How to Remove Closed Student Loans from Your Credit Report

How to Remove Closed Student Loans from Your Credit Report Staying on top of your credit score means being proactive. One of the ways you can help it rise is by removing accounts that are closed from your credit report. Closing an account does not mean that it will no longer be on your record. One common question in this area comes from student debt. How exactly can you remove closed student loans from your report?

This is our step by step guide on how to remove closed student loans from your credit report:

Know the Factors

Before you make any decisions, you need to know the factors that make up your credit score. Your available credit, the age of your credit accounts, and your payment history, for example, are all part of your score. How often you apply for new credit cards and the number of closed accounts present can also impact your score. Closed accounts hurt you even if they were paid off in full. Any late or missed payments or charge-offs can still be seen and affect your overall score.

Weigh Your Options

Don’t remove things indiscriminately. Removing a closed account with negative information on it makes perfect sense, of course. But removing an account with a mostly positive history would not be beneficial and could ultimately hurt your credit score. Scrutinize your credit report for closed accounts and determine whether they’re good or bad for your score. For student loans, it is common to see missed payments early on before the students in question find stable careers.

Removing the Account

Removing a closed account from your credit report can be tricky, but you do have a few options. These include:
  • Write a goodwill letter
  • Dispute inaccuracies
  • Wait it out
Writing a goodwill letter applies when you couldn’t pay due to illness or something else beyond your control. Keep in mind that the creditor or loan service provider has no duty to remove the closed account. If they do so, they will be doing it in good faith and will likely look at your previous payment history. Disputing accuracies is another option. It requires careful examination of your loans. You will have to justify each missed payment and give your reasons for believing you have been wronged. Finally, waiting the process out is another solution. Some closed accounts can remain on your report for up to ten years, however, is it’s not the best choice.

Getting Help

Credit repair companies can be the ally you desperately need in the battle for stellar credit. They specialize in these types of cases and understand the oppressive laws and regulations behind student loans. Allowing a credit repair company to go to bat for you can take a lot of stress off your back, too. They will typically provide you with all the education you need to clean things up and maintain a great score. Finally, bad credit has an effect on student loans and interest rates. And, of course, student loans impact your credit in much the same way. This is a vital part of your report that cannot go ignored.
For more information about how to remove closed student loans from your credit report, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month. We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today!

Can I Remove Bankruptcy From My Credit Report? Here’s How

 

remove bankruptcy from credit report

If you have recently been declared bankrupt and want to rebuild your credit, it is essential that you regularly check your credit report to make sure that all of the details are correct. In reality, we all need a good credit score. This is true for almost any goal involving financing, including buying a home or car. A low credit score can result in high-interest rates and worse terms overall, which means that you’ll pay more just because of your score.

Declaring bankruptcy can actually be a good way to help start over and rebuild your credit. You might be wondering, however, if it negatively impacts your credit report and what you can do to minimize the damage. While a bankruptcy on your report isn’t a great outcome, it’s also not one that is insurmountable. If you use the bankruptcy as a chance to rebuild your credit and create a stable financial situation, you will find yourself in a much better situation than you were before filing.

With that said, can you remove bankruptcy from credit reports? Well, yes and no. Let’s take a closer look at bankruptcy and how to build a solid credit report.

How can I remove bankruptcy from my credit report?

To put this simply, you can’t remove a bankruptcy from your report until enough time has passed. They typically stop being reported seven to ten years after they are declared, which means that you should have a “clean” credit report after that time has passed. You don’t have to do anything out of the ordinary to remove the bankruptcy, in other words, because it’s something that typically happens automatically.

Know Where You Stand, Financially

Aside from removing a bankruptcy, there are things you can do to keep tabs on your report and raise your score. Pull your credit report (free once every 12 months). Verify and establish the accuracy of the details and correct them if and when the need arises. Keep in mind that it is your legal right to dispute any and all entries on your report if they are inaccurate.

Be a Cautious and Informed Borrower

While it is always the case that lenders generally opt to not do business with many people who have had bankruptcies in the past, many do give them the option to take out loans just a month or two after a bankruptcy has been filed. Don’t be tempted. Instead, research debt agencies who are able to work with you without taking advantage of your current situation. When you find one, check their credit guidelines. Also, take into account what interest rate you can afford to pay.

Always Make Payments on Time

Constantly make payments early, if at all possible, but on-time if not. Avoiding making payments late shows lenders that they can be comfortable doing business with you post-bankruptcy. Keep an eye on what you are spending and make it a priority to keep your debt to income ratio low.  


For more information about how you can remove bankruptcy from your credit report, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today!

5 Simple Strategies for Fast Credit Repair

5 Simple Strategies for Fast Credit Repair

More than 35 million Americans have a less than perfect credit score, and some of them have scores that dip below 600. This can be detrimental for a number of reasons, including making it difficult to find lenders to approve business as well as personal loans. It’s worth noting, however, that repairing your credit score doesn’t have to be a challenge. There are a few simple steps to follow that make fast credit repair a reality. Stay calm and take a look at the five simple strategies below to help boost your credit score as quickly and easily as possible.

Get a Copy of Your Credit Report

You are entitled to a free copy of your credit report, so make sure to take advantage of that offer and request yours as quickly as possible. Carefully look it over and identify any mistakes. If you find any, write to the agencies in charge of the debt with all supporting information substantiating your refutation. Take note of the debts that are correct, too, and use them to help begin your credit repair journey.

Resolve and Close Any Collection Accounts

Start working your way up from the smallest debts owed to the bigger debts owed, paying them off as you’re able. Do not agree to pay them off completely, however, until you have an agreement in writing that the debt collection agency will remove the account from all of the credit score reports it shows up on.

Apply for a Secure Credit Card

If you are unable to obtain a credit card, another fast credit repair tip to consider is to apply for a card with a small secured balance through a credit union or local bank. You basically put your cash in a savings account that is held as collateral for your credit line. Use the card sparingly and pay it off monthly.

Make a Budget

Once you have a handle on your debts and the order in which you’ll pay them off, it’s time to create a realistic budget. How much money do you need to cover your essentials every month? This includes the necessities like your rent and your car payment, but maybe not extras like the high-end cable package or multiple dinners out a week. Cut your expenses down to the bare minimum and apply everything possible towards paying off your debts. You can splurge once your finances are back on track and you have the money to spare.

Don’t Get Rid of Older Credit Cards

Older credit cards add more value to your credit rating score than newer cards. If you must get rid of a card or two, make sure it is one of your newest ones. This will showcase you in a better light.

Fast credit repair doesn’t have to be a dream. It just takes some planning and dedication to help raise your score. If you’re looking for a little extra help, don’t hesitate to reach out to the professionals at Go Clean Credit, too!


For more information on the best credit repair companies, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

10 Best Credit Repair Resources

10 best credit repair resources

As a premier credit repair company, we have a number of great resources available to support your credit repair journey. Therefore, we compiled a list of the 10 best credit repair resources in order to alleviate the stress that comes along with having a poor credit score.

Here are the 10 best credit repair resources:

The Cost of Bad Credit

We created a resource that breaks down your credit score, the percentage rate, payment, and added cost you can expect to pay when you want an auto loan, credit card and a mortgage with bad credit. Also, this resource will show you how your FICO® credit score is weighted. All of this information will allow you to see what your interest rates can be if you increased your credit score.

How to Improve Credit Score in 30 Days

Your credit score matters. Lenders take one look at your score and determine your mortgage or car loan rates, whether to approve your apartment or credit card application – and even whether or not to hire you for employment.

Given the impact of your score and the urgency of your life situation (that perfect house isn’t going to be on the market forever), there is a big incentive to improve your credit score quickly.

How Many Points Will a Collection Affect Your Credit Score?

Every time we view a collection account on our credit report, we cringe from knowing these accounts have a negative effect on a credit score. Those accounts show up each time a collection agency reports debts to credit bureaus. The resulting effect it has on a credit score is usually devastating. However, there are a few ways to avoid collecting accounts from damaging your credit score.

Whose Credit Score is Used on a Joint Mortgage?

You’re happily married and ready to buy your first house, but you and your spouse both have different credit scores. So what does this mean? By now, you’re probably worrying about whose credit score is used on a joint mortgage. Don’t worry, because we have all you need to know about getting one.

How Many Hard Inquiries Will Affect Your Credit Score? 

You might be asking yourself: “How many hard inquiries will affect your credit score?” To delve into the answer, we will take a closer look at what inquiries are, the difference between hard and soft inquiries, and how it might affect your credit score.

How Many Points Does a Credit Score Go Up When a Collection is Removed?

We know that even small oversights can cause huge damage to your report. So, it’s understandable that you’d be concerned. And, without trying to be too ominous, you should be concerned. High credit scores provide access to bank loans, higher mortgages, credit cards, and better interest rate. Some employer even runs credit checks to vet potential employees.

As you can imagine, it’s important to know your credit score. Let’s take a minute to review the basics and find out how many points you credit score rises when a collection is removed.

AnnualCreditReport.com

Annual Credit Report is your only source to obtain free credit reports from each credit reporting companies. With their free reports, you are able to ensure that the information on all your reports is accurate and up to date. Also, reviewing each report will allow you to catch signs of identity theft early as well as any inaccuracies.

Mint

If you would like an app to help you budget your money, track your bills, and check your credit score then Mint is right for you. You can personalize the platform to alert you on your day to day spending as well as receive tips and advice for maximizing your money. When you are up-to-date on what your spending month to month you will have a better understanding of how to allocate your money.

Nerd Wallet

With Nerd Wallet you can easily compare a wide variety of options to find the right credit cards, savings account, online broker, mortgage, personal loan, and student loan for you. Their army of knowledgeable nerds has the ability to make the most complicated money questions easy to understand. They can even offer tailored recommendations based on your unique situation. All you have to do is tell them more about you and the rest is history.

National Do Not Call Registry 

The National Do Not Call Registry allows you to choose whether you would like to receive telemarketing calls or not. I’m sure most of you did not know this could be done. It takes less than 3 minutes to sign up. All you have to do is add the phone number(s) you do not want telemarketers to call and click through a link from your email. Once this is complete enjoy a life free of unwanted calls.

Better Business Bureau Credit Repair Companies

Better Business Bureau Credit Repair Companies

If you’re struggling with mounting credit card debt you are probably looking for a credit repair company to relieve you of that debt. Finding the right credit repair company can be a daunting task, so we have compiled a list of Better Business Bureau (BBB) credit repair companies to help you make that decision easier. These credit repair companies have been given an A+ rating and they are in various different states. The BBB gives an A+ rating to companies who exhibit outstanding transparency and integrity to their customers.

Here is a list of Better Business Bureau Credit Repair Companies with an A+ rating:

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Yuma, offering personalized credit correction services since 2003. Because restoring your credit can be a daunting task, Go Clean Credit makes it a hands-on process specified for your needs. You may be dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft. Go Clean Credit provides a trusted source for credit repair companies in Yuma. Their client-centered approach pairs credit restoration with credit education to keep you on the right track. They understand that good people can have bad credit and have helped thousands of people just like you. Most importantly they are not a faceless company that will treat you like a “number”.

Accelerated Credit Solutions

For 10+ years, Accelerated Credit Solutions has fixed issues on your credit report because they know what works and what doesn’t. They never use stall tactics to try to prolong the process because they do not charge monthly fees. They will never bill you until a successful service round is complete so you know exactly what you are paying for. Their services are not only cost-effective, but they are also low maintenance. All you have to do is keep up access to your credit monitoring, and they’ll do the rest. Once they remove negative items on your report, they will send you a detailed analysis, wait for you to check your new report and confirm the results. They will then educate you on how you can avoid these missteps in your future.

Fortress Credit Professionals

When you are interested in using Fortress Credit Professionals for your credit repair needs they’ll conduct a free credit consultation and provide an estimate over the phone. If you don’t have a recent three bureau credit report they can order one for you. They will dispute all of your negative items on your report at once and only charge you for what they were able to remove. You will not pay a monthly fee because they believe that money can be used for more important things. Most of their clients finish within 90 to 180 days and can see improvements throughout the engagement.

Accius Credit Repair

Is your credit score preventing you from being approved for a loan or your next big purchase? Accius Credit Repair can help repair your past and prepare you for a much better financial future. Accius offers a free initial consultation before they offer to help. They want to fully understand your situation so they can piece together a knowledgable action plan for you to succeed. After their evaluation, they will work closely with you to devise a personalized strategy and dispute inaccuracies with all three credit bureaus.

Guardian Credit Repair

Guardian Credit Repair is a national credit repair and restoration company working with clients and creditors to improve credit profiles. Their credit experts communicate with credit bureaus by challenging questionable, inaccurate, outdated, misleading, or unverifiable data on consumer credit reports. They investigate any mistakes which may be lurking in your credit report to have them resolved and repaired, allowing you the financial freedom and advantages a good credit score provides you. In order for you to feel like you learned something while working with their consultants, they will educate you every step of the way.


For more information on the best Better Business Bureau Credit Repair Companies, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.