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Free Credit Repair Tips

Bad Credit Got You Down?

Our website is dedicated to providing FREE help for you to improve your credit score. When your credit is not good, but could be better, there are at least a few ways to fix your credit.

Understanding Credit Scores

Your credit score is important in many ways and a number that forms the basis of a decision to grant credit and how much credit you may be granted. Your credit score is computed using five primary categories:

1. 35% - Payment History
2. 30% - Total Payments Owed
3. 15% - Length of Credit History
4. 10% - New Credit
5. 10% - Type of Credit In Use

Free Sample Credit Letters

Check our free credit letters page to get free content for any letters you want to send to creditors as an effort to clean up your credit report.

Sample Letters