Credit Solution Online! Portal PDF Print E-mail

At Credit Solution Online, we give you the resources to put you in-the-know about your credit. Whether you need to establish, maintain or improve your credit score, we’re here to help every step of the way.

This site is dedicated to helping you on the journey of improving your credit, obtaining credit or simply understanding how the credit world works.  It's all about credit and credit education here, and we want to help guide you through it.  Get the facts on what really affects your credit score, how to establish, manage or improve your credit and get the credit score that you deserve.

We strive to bring you the best financial services, products and information to keep you ahead of the curve when it comes to your credit.  No matter where you are financially, we’re here to help.  Please email us with any questions or with any comments on how we can serve you better.

 
A Guide to Credit Scores PDF Print E-mail

 

A better score means a better deal from landlords, lenders, insurers and other creditors.  Use these dozen-plus tips to boost yours.

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FICO Credit Score Range

If you ask anyone who knows much about credit scores, there’s one thing that most people know – the FICO credit score range goes from 300 to 850.  The lowest possible FICO score you can get is a 300 and a perfect, albeit unrealistic and unnecessary, score is 850.  However, knowing the range alone doesn’t really tell you much.  You need to understand the “texture” of that range.

Is the range linear or logarithmic? Is the distribution of scores even across each value or is it a normalized distribution?  The texture of the range can give you a better understanding about credit scores, much more than simply knowing the numbers in the range.

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Improving your Credit Report PDF Print E-mail

 

"CREDIT RESTORATION" GOOD CREDIT IN 90 DAYS

You may have noticed that some credit accounts you have had in the last few years did not show up on your report, even though you paid them off on time.  This is because some creditors do not bother to report, especially smaller businesses, because they have to be a member of the bureau and/or pay a filing fee.  If you can document such accounts and the payment history you can have the credit bureau add them to your profile, giving you "better credit".

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The Summary of the Fair Credit Reporting Act PDF Print E-mail

This summary of the Fair Credit Reporting Act will explain what you can legally do if you want to repair your own  credit report.  No matter what you hear, you can dispute credit information on your credit report if you understand the legal rights you have under this law.

The Federal Fair Credit Reporting Act was enacted by the United States Congress in 1971.  In summary, it says that the credit bureaus must investigate a consumer dispute if they want to challenge credit information on his or her credit report.

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