There are two similar companies with very similar names. CreditNerd is a credit monitoring service that offers access to your TransUnion credit report and credit scores, along with other credit monitoring services. Credit Nerds is a small, family-owned credit repair firm noted mainly for offering what they describe as a free credit repair service. Let’s …
CreditNerd Review: Pros, Cons, Features, Ratings and More Read More »
If you don’t have much credit history or need to improve your score, there are many ways to go about this. Kikoff Credit promises to boost your credit score for a small monthly fee. Does it work? The team at Credit Summit signed up to find out. What is Kikoff and Will It Really Help …
Kikoff Credit Review: We Signed Up to Test the Service Read More »
If you’ve been diligent in paying down your debts, you probably don’t have to worry about debt collectors. If you miss a payment, however, you might get an alarming notice that you owe money to a company you don’t recognize. Don’t panic. Your creditor has likely sold your account to someone else, for example, LVNV …
What is LVNV Funding LLC? Why is it on My Credit Report? Read More »
Tens of millions of Americans have no credit record or a record too thin to generate a score. Millions more struggle with poor credit. If you have this problem, a credit-builder loan may help. Understanding credit-builder loans will help you decide whether they are the right tool for you and which one to pick. Disclaimer: …
Here are 10 of the Best Credit-Builder Loans to Boost Your Credit Score Read More »
Ever checked your credit report and noticed something unusual? Perhaps a mortgage you didn’t take out or a credit card bill you swear you’ve paid? Credit report errors happen all the time. Fortunately, it’s easier to fix them than you might think. Common Mistakes on Your Credit Report Credit reporting is an imperfect system. More …
How to Check Your Credit Report and Dispute Errors Read More »
In 2021, the credit repair industry in the United States was worth $3.4 billion. Around one-third of all American consumers have found at least one error on their credit report. The errors can range from simple misspellings to incorrectly reported bankruptcies. Some errors can bring your entire credit score down, thus making it difficult to …
Best Credit Repair Software: Here are 10 Top Options Read More »
You’ve just gotten home from work and sat down to dinner, and the phone rings. The caller says he can help you repair your bad credit and offers the promise of getting it back up to par. Do not fall for it. Before turning to a potential scammer posing as a credit repair organization for …
Credit Repair Organizations Act: Here’s What You Need to Know Read More »
Seeing your credit score suddenly drop for an unknown reason can certainly give you a scare. There are a number of reasons why your score may have dropped, ranging from small mistakes like a single missed payment to much more serious situations if a stranger has gotten a hold of your financial information. If you’re …
Why Did My Credit Score Drop? Here are 10 Possible Reasons Read More »
Roughly 45 million Americans have no credit scores. They may be effectively locked out of many financial services. They may not be able to buy a home or rent an apartment. They may pay extremely high interest rates for loans. If you’re in this position it’s important to understand your situation and know what you …
Insufficient Credit History or No Credit: What’s the Difference? Read More »
A credit score is a three-digit number that gives lenders and creditors an idea of your credit risk. It’s used in many aspects of life, from apartment rentals to financing big-ticket items. Your starting credit score depends on several factors, including your credit habits and the scoring system used. With that in mind, here’s how …
