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Credit Scores & MoreA Rate Update resource · Credit help for home buyers
Credit Scores and More
  • 1. FREE SCORE
    • Start Here: Get Mortgage-Ready in 5 Steps
    • Opt Out of Prescreened Offers (Do This First)
    • Where to Get Free Credit Scores and Monitoring
    • What Is a Good Credit Score?
    • 10 Credit Score Myths
    • Credit Sesame vs. Credit Karma
  • 2. MORTGAGE SCORES
    • VantageScore 4.0 Mortgage Score Guide
    • Credit Score Needed to Buy a House
    • Which Score Do Lenders Use? FICO vs. VantageScore
    • What Is the Most Accurate Credit Score Site?
    • UltraFICO Score Explained
  • 3. BUILD CREDIT
    • Next Steps: FICO Scores & Credit Repair
    • The Best Way to Monitor Your Credit
    • Boost Your Credit Score Fast: 7 Tips
    • How to Fix Your Credit in 4 Steps
    • Best Credit Repair Options
    • The Real Problem With Credit Reports
    • Self vs. Credit Strong
    • Dovly Review
    • Legal Help to Repair Your Credit
    • Credit Advice From a Lending Veteran
  • 4. BUDGET
    • Budgeting Tools: Solvit (60 Days Free) & YNAB
    • How to Budget for Your First Home
    • What Home Buyers Need to Know About Credit Scores
  • 5. READY TO BUY
    • Compare 30+ Mortgage Lenders (The Rate Update)
    • First-Time Home Buyer Guide (The Rate Update)
    • 5-Day HELOC for Homeowners (The Rate Update)
  • BLOG
#1 way to protect your credit: stop the credit bureaus from selling your info. Free, 5 minutes.Opt Out Now →
Credit Scores & MoreA Rate Update resource · Credit help for home buyers
Credit Scores and More
  • 1. FREE SCORE
    • Start Here: Get Mortgage-Ready in 5 Steps
    • Opt Out of Prescreened Offers (Do This First)
    • Where to Get Free Credit Scores and Monitoring
    • What Is a Good Credit Score?
    • 10 Credit Score Myths
    • Credit Sesame vs. Credit Karma
  • 2. MORTGAGE SCORES
    • VantageScore 4.0 Mortgage Score Guide
    • Credit Score Needed to Buy a House
    • Which Score Do Lenders Use? FICO vs. VantageScore
    • What Is the Most Accurate Credit Score Site?
    • UltraFICO Score Explained
  • 3. BUILD CREDIT
    • Next Steps: FICO Scores & Credit Repair
    • The Best Way to Monitor Your Credit
    • Boost Your Credit Score Fast: 7 Tips
    • How to Fix Your Credit in 4 Steps
    • Best Credit Repair Options
    • The Real Problem With Credit Reports
    • Self vs. Credit Strong
    • Dovly Review
    • Legal Help to Repair Your Credit
    • Credit Advice From a Lending Veteran
  • 4. BUDGET
    • Budgeting Tools: Solvit (60 Days Free) & YNAB
    • How to Budget for Your First Home
    • What Home Buyers Need to Know About Credit Scores
  • 5. READY TO BUY
    • Compare 30+ Mortgage Lenders (The Rate Update)
    • First-Time Home Buyer Guide (The Rate Update)
    • 5-Day HELOC for Homeowners (The Rate Update)
  • BLOG
Credit Repair

Credit Advice From a Lending Veteran: What Actually Moves Your Score

Credit Advice From a Lending Veteran: What Actually Moves Your Score Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. After more than 30 years in the lending business, I’ve seen the same credit questions come up again and again. […]

July 12, 2022 / Dan Frio / 0 Comments
Credit Scores

10 Credit Score Myths That Cost Home Buyers Money

10 Credit Score Myths That Cost Home Buyers Money Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. Most credit score myths sound reasonable, which is why they stick around. Some are harmless. Others push people to close the wrong […]

July 12, 2022 / Dan Frio / 0 Comments
Credit Repair

Best Credit Repair Options: DIY, Counseling or a Credit Repair Company

Best Credit Repair Options: DIY, Counseling or a Credit Repair Company Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. “Best credit repair company” lists change every year, and many are paid rankings. The better question is which kind of […]

July 12, 2022 / Dan Frio / 2 Comments
Build Credit Credit Repair

How to Fix Your Credit in 4 Steps (Explained)

A step-by-step guide to fixing your credit: get your reports, dispute errors, lower balances and add positive payment history.

July 12, 2022 / Dan Frio / 1 Comment
Credit Scores

Which Credit Score Site Is the Most Accurate? A Mortgage Lender’s Answer

Which Credit Score Site Is the Most Accurate? A Mortgage Lender’s Answer Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. Every credit score site is “accurate.” Each one correctly calculates the score it says it shows. The problem is […]

July 12, 2022 / Dan Frio / 1 Comment
Build Credit Credit Scores

Boost Your Credit Score Fast With These 7 Simple Tips

Boost Your Credit Score Fast With These 7 Simple Tips Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. By now you are aware that your credit score determines everything from getting approved for a credit card to the interest […]

July 12, 2022 / Dan Frio / 3 Comments
Credit Repair

Credit Repair Attorney: What They Do and When You Need One

Credit Repair Attorney: What They Do and When You Need One Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. A credit repair attorney can help when a credit bureau or lender refuses to fix information that is clearly wrong. […]

July 12, 2022 / Dan Frio / 2 Comments
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Recent Posts

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With over 30 years in the lending industry, we’ve helped thousands of people understand and improve their credit — and built this site to give you the same tools and guidance. Affiliate Disclosure: Some links on this site are affiliate links, and we may earn a commission if you sign up or make a purchase through them, at no extra cost to you.

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