More Than Just Disputes
While disputing inaccurate items is important, it's only part of the credit improvement equation. Our Score Assistance service identifies additional actions you can take right now to boost your scores—things that don't require waiting for dispute results.
Reworking Balances
Credit utilization—the percentage of your available credit you're using—is one of the biggest factors in your score. We analyze your current balances and credit limits to create a strategic plan for paying down balances in the order that will have the most impact on your scores.
Strategic Collection Handling
Not all collections should be paid the same way. Some are better negotiated for deletion, others are better left alone until they age off. We advise on the best approach for each collection on your report based on its age, amount, and how it's affecting your score.
Rebuilding Strategies
Sometimes the best way to improve your score is to add positive information, not just remove negatives. We provide personalized recommendations for building positive credit history through secured cards, credit-builder loans, and authorized user strategies.
What We Analyze
- Credit utilization ratios across all accounts
- Payment history patterns and opportunities
- Age of accounts and credit mix
- Recent inquiries and their impact
- Collection accounts and optimal handling strategy
- Opportunities for positive credit building
Personalized Action Plan
After our analysis, you receive a clear, prioritized list of actions tailored to your specific situation. We tell you exactly what to do, in what order, and explain the expected impact of each action on your scores.
Ongoing Guidance
As your credit evolves, so does our advice. We continuously monitor your progress and adjust recommendations based on changes to your credit profile, ensuring you're always taking the most effective actions for your current situation.
Beyond the disputes, their score assistance advice helped me understand how to manage my credit cards strategically. I dropped my utilization from 78% to 12% and saw immediate results.
No sabía que pagar mis tarjetas antes de la fecha de corte hacía diferencia. Me explicaron exactamente qué día pagar cada tarjeta para que reporte el balance más bajo. Subí 52 puntos sin pagar un centavo más de lo normal.
I had no idea my closed accounts were helping my score by adding to my average account age. I was about to dispute them all. The score assistance team explained why I should leave the positive closed accounts alone.
Tenía 6 tarjetas y no sabía cuál usar. Me crearon un plan: usar la más vieja para pequeñas compras mensuales, mantener las otras en cero pero abiertas. Simple pero efectivo—mi mix de crédito mejoró y mi puntaje subió 38 puntos.
They noticed I had a personal loan that was about to pay off. Advised me to keep a small balance for 2 more months because having an active installment loan was helping my credit mix. Never would have thought of that.
Mi problema no era deuda, era falta de historial. El equipo me recomendó una tarjeta asegurada específica y me explicó exactamente cómo usarla. En 6 meses pasé de "thin file" a 680. Ahora califico para tarjetas normales.
Had 5 hard inquiries from car shopping. The team explained the inquiry window and why I shouldn't worry—they'd be grouped as one. Also told me to wait 6 months before applying for anything else. Patience paid off.
Estaba pagando extra en todas mis tarjetas igualmente. Me enseñaron el método avalanche vs snowball y cómo aplicarlo para maximizar mi puntaje, no solo pagar deuda. Reorganicé mis pagos y mi utilización bajó más rápido.
I was added as an authorized user on my mom's oldest card—21 years of perfect history now shows on my report. Score jumped 67 points in one month. Why didn't anyone tell me about this strategy before?
Quería cerrar tarjetas que no usaba para "simplificar". Me explicaron que cerrarlas reduciría mi crédito disponible y subiría mi utilización. En vez, las puse en autopay con Netflix y ya no pienso en ellas. Score protegido.
The detailed analysis showed my score was being hurt by only having credit cards. They recommended a credit-builder loan from a local credit union. $500 loan, small payments for 12 months, and my score went up 41 points from the better mix.