Credit Repair: 400-669

Rebuild your credit from the ground up with proven strategies that work

New to Credit / Building

No credit history or thin file? Start building from scratch with secured cards and credit builder loans. Expect 580-650 initial scores, not 700+

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Repairing Negative Marks

Collections, charge-offs, or late payments? Learn how to dispute errors and negotiate deletions

Repair Strategy →
STEP 1 (Month 1)
Know Your Starting Point
Pull your free credit reports from all three bureaus. Identify errors, collections, and negative items that are dragging down your score.
Get Free Reports Score Simulator
STEP 2 (Months 2-3)
Dispute & Negotiate
File disputes with credit bureaus to remove negative items that shouldn't be there.
Dispute Guide Dispute Wizard
STEP 3 (Months 4-6)
Build New Credit
Start building positive credit history with secured cards, credit builder loans, or becoming an authorized user. Focus on consistent, on-time payments.
Find Secured Cards Authorized User Guide
STEP 4 (Months 7-12)
Optimize & Maintain
Fine-tune your credit profile with strategic moves like increasing limits, diversifying credit types, and maintaining low utilization ratios.
Increase Limits Optimize Utilization

Quick Wins (First 30 Days)

💳
Pay Down High Balances
Target cards over 50% utilization for immediate score boost
📅
Set Up AutoPay
Never miss a payment again with automatic payments
📋
Get Credit Reports
Review all three reports for errors you can dispute
🔒
Freeze Your Credit
Prevent new accounts from being opened fraudulently

Ready to Fix Your Credit?

Take our free assessment to get a personalized repair plan for your specific situation.

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7 days free, then $9.99/month

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