What Is a Credit Sweep? Why It’s Illegal and What to Do Instead
A credit sweep is a scheme to wipe negative accounts off your credit reports by falsely claiming they’re the result … Read more
DIY Credit Repair
Fixing your own credit: what works, what doesn’t, the myths and bad advice to avoid, and how DIY dispute software fits in.
DIY Credit Repair: How to Repair Your Credit Yourself
You can repair your credit yourself. The FTC puts it plainly: “Anything a credit repair company can do legally, you’ll … Read more
Credit Repair Scams and Loopholes: What Doesn’t Work and Why
Credit repair scams promise what the law doesn’t allow: removing accurate negative information, fast, through a secret method or loophole. … Read more
Does AI Credit Repair Work? What It Can and Can’t Do
AI credit repair works for one thing: helping you find errors on your credit reports and write specific disputes faster. … Read more
Why Didn’t My Credit Score Go Up After a Negative Item Was Removed?
When a negative item comes off your credit report and your score doesn’t move, it usually isn’t a mistake. The … Read more
DIY Credit Repair Software: What It Does and How to Choose One
DIY credit repair software pulls in your credit reports, flags items that may be inaccurate or inconsistent, and drafts disputes … Read more
Why Did My Credit Score Drop? 12 Common Reasons
Your credit score drops when something in your credit report changes in a way the scoring model sees as more … Read more
Section 609 Letters: What They Can and Can’t Do for Your Credit
A 609 letter is a dispute letter that cites Section 609 of the Fair Credit Reporting Act, usually demanding that … Read more
