Credit guides without the jargon
Free, plain-English guides on building, repairing, and using credit. Written for people who don't already know what FCRA §611 means — and who shouldn't have to.
Published
- Building credit4 min read
How to build credit with an authorized user
Becoming an authorized user on a family member's well-managed credit card is one of the fastest legitimate ways to build credit. Step-by-step guide, plus the gray-area patterns to avoid.
- Fixing your report6 min read
How to dispute a collection on your credit report
The exact letter to send, what to include, and the law (FDCPA §1692g) that forces the collector to prove the debt is real before they can keep reporting it.
Coming soon
- Getting funded5 min read · in progress
What is Chase's 5/24 rule, and how do I work around it?
Chase auto-declines you for any new credit card if you've opened 5 or more credit lines (any issuer) in the last 24 months. Here's how to time your applications around it.
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