Credit Education
Learn how credit really works — and how to protect and improve your score.
How Your Credit Score Is Calculated
Your credit score is a number that lenders use to evaluate how risky it is to extend credit.
Most scoring models weigh five core factors:
- Payment History – 35%: On-time vs. late payments.
- Credit Utilization – 30%: Your balances relative to your limits.
- Length of Credit History – 15%: Average age of your accounts.
- New Credit – 10%: Recent inquiries and new accounts.
- Credit Mix – 10%: Revolving (cards) & installment (loans).
We’ll explain how each piece works and show practical steps to strengthen your profile.
What You’ll Learn With Us
We’ll walk you through the essentials of building and protecting strong credit so you can make confident decisions.
- Read your credit report — what each section means and what lenders actually look at.
- Your rights — how the dispute process works and when to use it effectively.
- Lower utilization — practical ways to reduce balances and improve credit usage.
- Rebuild & protect — steps to recover after late payments and prevent identity theft.
Free Credit Consultation — What to Expect
- We review your goals and credit report together (no hard credit pull).
- We explain what’s helping, what’s hurting, and which steps are most effective.
- You’ll leave with a clear plan you can act on right away.
Credit Education FAQs
Will this hurt my score?
No. Our education and free consultation do not require a hard credit inquiry.
How long until I see improvement?
Every profile is different, but many people start to notice positive changes within 30–60 days once they follow their action plan.
How do disputes work?
We explain your rights and outline a clear, compliant process to address inaccuracies or outdated items on your report.
Where can I learn more?
Read our guides: How Credit Works and Credit FAQs.
We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies. Our fees are reasonable and there are NO long binding contracts. We guarantee results or your money back!
