Credit

Build credit, maximize your credit score and learn to use credit wisely.

Every year millions of people go into credit card debt. Some lose their jobs, others incur unexpected debt or have a medical emergency, and some simply don’t use their credit cards in a wise manner.

Regardless of the reason, getting out of credit card debt is not an easy process, but it’s possible. Unfortunately, the damage to your credit score can last long after the debt is paid. Still, with the help of the information below from Consolidated Credit, you can learn to review your credit report like a pro and build strategies to boost your credit score. Start today but remember, if you’re still struggling with high credit card debt, you need to find a solution before you can start to rebuild your credit. Call us at or request help with a free Debt & Budget Analysis.

How to Improve Your Credit Score

If you have a poor credit score, lenders penalize you by not extending lines of credit or by raising your interest rates. Your score is determined by the information contained in your credit report. Learn about the factors that determine your credit score and review professional tips on how to increase it.

What is a Credit Report?

A credit report is a valuable tool when it comes to improving your finances. It contains your credit history and tells your financial story. However, if you don’t know how to read a credit report or where to get it (actually three credit reports) and find the negative information on it, it’s just a useless piece of paper. Make use of your report today.

How to Repair Your Credit

There are four important steps to follow if you want to properly repair your credit. It’s not easy, but if you work hard at it and use these tips you can find errors on your report, dispute these errors like a professional, avoid credit scams, and revive the status of your credit history.

How to Rebuild Your Credit

If you’ve damaged your credit and are looking for industry-trusted methods to build it back up then Consolidated Credit can help you regain your good credit score. Following the simple steps outlined in this section, you can reestablish good credit and lenders will once again open lines of credit when you need them.

Understanding Credit-Based Insurance Scores

Since the 1990s, the nation’s top lenders have used credit-based insurance scores during the underwriting process to determine your risk and insurance premiums. Here is what you need to know about this type of credit score and how good or bad credit affects how much you can expect to pay.

Establishing a Credit History in the U.S.

The financial system in the U.S. can be frustrating to those who are new to the country. This is especially true about the use of credit cards and how credit reporting works, since these kinds of things can vary widely from one country to the next. Consolidated Credit helps you establish credit and learn about the financial risks that can come with using credit cards in the U.S.