Credit Helps

Do Your Own
Free Credit Repair

Having a Better Credit Score helps in all areas of YOUR LIFE!

Your credit score is an important number that is used to judge your credibility when applying for a loan, mortgage, auto insurance, and other types of financing. Factors such as timely bills payments, the available balance on accounts, or length of credit history make up a major part of your credit score. A higher credit score allows you to borrow at lower rates than someone with a low one. And the lower rate will save you money in interest charges each year.

Credit statistics are a measure of a person’s creditworthiness. In other words, your credit statistics record how you have paid your bills on time and the size of your outstanding debts. The way creditors use credit scores has changed over the years as more types of sources have become available to them.

Get 7 Quick Steps To Free
Credit Repair In Your Inbox

Raise your credit score by as much as 145 points with these quick 7 steps.

Proven &

You need to get the best possible credit score in the littlest amount of time. That’s where our services help the most. There are many ways to simply practice being a good credit user and get your score higher. This is not meant to be a slow method but instead the fastest way to better credit that you can legally do in the United States.

Balanced Finances

Nothing helps more than balancing your finances to get those credit scores up and keep them up. When you have more money than the debt you have it’s much easier to handle your debt to credit ratio.

Free Credit Repair Help

Credit help is not just for when you have damaged or bad credit. When you have good credit you can still use credit help to get to an even greater credit score. Get the credit help and tips you need to keep up a healthy score.

Forms & Paperwork

We have all the credit help forms and templates that you will need along the way. Paperwork can be tiresome when it comes to credit help but it is one of the key components to effective and free credit repair.

Credit Help Testimonials


Have a 738 credit score now and didn’t have to pay anything but the optional tip at the end! Which I did give gladly, thanks for the free credit repair help guys.

– Milad Yekrangi


Really got my credit jump-started. Happy with everything did for me with their free credit repair program! 

– Beth Grey


Credit help was exactly what I needed! They helped get my credit score up over 200 points in a couple of months with the free credit repair help. 

– Russell Wallace

Free Credit Repair Help Resources

Credit Habits To Build Good Credit

Pay Your Bills On Time - Late payments stay on your report for seven years and can be detrimental to your scores if they’re overdue by more than 30 days. The best way to avoid this damaging habit is to set reminders for yourself so you don’t forget to pay your bills. Also, don’t be late with payments that aren’t even reported to the credit bureaus, such as insurance premiums or gym memberships.

Avoiding Credit Card Debt - It’s never too early to teach children the value of a dollar and one way is to not let them use your plastic. If you’ve already got a young credit card holder at home, help them set up an allowance so they can learn to manage their money. Then teach them how to use it wisely while saving for larger purchases with cash.

Take Out A Loan Only If You Need One - When it comes time to finance that new car or college education, resist the temptation to use a credit card in order to speed up the process. If you do, you’ll likely end up with financing for longer than necessary or an interest rate that is higher than what you would have had otherwise.

Create A Credit History - Not everyone has an established credit history when they go to finance a large purchase like a home or car. They can get a small loan called a “secured credit” to show lenders they can be trusted with bigger loans in the future while building their credit at the same time. Secured credit requires collateral for the loan, such as a bank account and wages (if it’s an installment loan).

Paying off your balance every month shows lenders that you can handle managing credit and will earn a better score over someone who carries an outstanding balance on their card. A simple rule to follow is the “50-30-20” plan, which means spending half of what you make each paycheck, putting away what’s left in a savings account, and using 20 percent of your money for entertainment.

Just because you’ve paid off a credit card or loan doesn’t mean the creditor will automatically drop it from their reports. You’ll need to call each company and ask them to remove the line of credit if they have one for you. Some creditors, like credit card companies, will even remove the charge off from your report if it is still on there more than a year after you’ve paid it off.

It’s important to check your credit reports every year to make sure creditors are reporting accurate information and that you don’t have any errors like late payments or incorrect amounts on your reports. You’re allowed to order a free report from each of the three credit bureaus once every 12 months.

If you apply for multiple lines of credit at once, it will lower your score because creditors don’t like seeing that you are overextending yourself in case you can’t pay your bills. It’s a good practice to apply for credit cards one at a time so if you’re turned down, it doesn’t impact your score too much.

The first step toward controlling any debt is to know where your money goes each month. Once you know how much you make and where your money is going, you can create a simple budget for yourself and stick to it. This will help you avoid spending more than you earn and manage your debt wisely.

Closing inactive credit accounts will hurt your scores (more on this later), so it’s best to close accounts that you know you won’t be using in the near future. If you’re planning on being unemployed soon, don’t close your work credit cards; if you’ve got a temporary medical condition and can’t get out of debt during that time,

While this rule applies to all types of debt, it is especially true with credit cards and other revolving accounts. Late or missed payments can be detrimental to your scores, so make sure you pay all of your bills on time each month. You’ll want to pay more than the minimum amount due on these types of accounts since paying only the minimum will not reduce the interest that they are charging you.

Once you’ve got a good handle on your budget, it’s time to start paying down your debt. Paying off your debts is the biggest priority when getting out of debt and will help lower both your current monthly payments and the interest rates that are accumulating on these accounts. You may want to focus on the highest interest accounts first or you can pay off your debt in order of what will save you the most money.

Some debts are better left forgotten. If you’ve attempted to negotiate a lower interest rate but were turned down, it’s best to stop calling them back and stop sending them payments. Let it go and move on to a more reasonable creditor.


While walking away from your debt may seem like the easy way out, there’s no better option than debt consolidation. With this option, you take all of your credit card debts and transfer them to a single, low-interest credit card. This helps lower your monthly payments while also saving you money on fees and penalties for late or missed payments.

Sometimes closing an account is the right thing to do because it’s costing too much in fees. If you’re paying a fee of $30 each month to your credit card company, it’s not worth keeping the account open. However, leaving old accounts open may be beneficial to you because you have a “good” credit history with that creditor and therefore can get approved for new lines of credit more quickly.

It’s important to check your reports from each credit agency at least once a year to make sure there are no errors or problems. If you do find an error, contact that credit agency as soon as possible so they can get it fixed. Errors on your report can lower your scores and put future creditors in the wrong about how reliable you are with repaying loans and lines of credit.

Checking your score is a great way to get a general idea of how you’re doing with your debt and it can show you what steps you may need to take next. While some are against the whole concept of checking their scores, others like to keep an eye on their numbers. If you want to check your scores, it’s a good idea to understand what is included in that number and how it was calculated. If your score dramatically drops one month and no major life event happened (like being fired from work or declaring bankruptcy), contact the credit agency about seeing what caused this drop.

Figuring out how long it will take you to get out of debt is a great way to set goals and give yourself a reminder that progress is being made. You may be surprised when you realize how quickly the dollars start adding up!

It’s so tempting to chase the rewards that credit cards offer, but chasing those points is not what got you into debt in the first place. Your best bet is to avoid any type of unnecessary purchases and focus on paying down your debts instead. By refusing lower interest rates or better rewards programs, you’ll be surprised at how quickly your balance will disappear.

It’s so tempting to chase the rewards that credit cards offer, but chasing those points is not what got you into debt in the first place. Your best bet is to avoid any type of unnecessary purchases and focus on paying down your debts instead. By refusing lower interest rates or better rewards programs, you’ll be surprised at how quickly your balance will disappear.

If you’re still working on getting out of debt, your mindset should be to keep using those cards until your balance is zero and the statement arrives in the mail with a “zero balance” message. When you close accounts or toss your cards, it can make it difficult if you have to file for bankruptcy.


When you pay your credit cards with another credit card, you’re just digging yourself deeper into debt and delaying the process of paying off those balances. If you want to make this mistake, do it sparingly so you can be out of debt in a decent amount of time.

Just because you check your reports once a year does not mean there won’t be changes that can hurt your credit score. If you find errors, contact the agency as soon as possible and have those mistakes corrected. Interest rates and other factors could be impacted by faulty information on your report, so make sure you have notified the agencies of any updates.

If you’re concerned that your credit report is inaccurate, there are ways to dispute and fix potential mistakes yourself. Canceling a debt management plan or declaring bankruptcy can also be done without paying someone else to do it for you.

One of the best ways to get out of debt is to make a complete plan that includes all your debts. When you only focus on one type of loan, it can mean trouble for other areas of your balance sheet down the road. Instead of only focusing on credit card debt, make a plan that will allow you to get rid of all loans and bills.

When you close accounts with lines of credit or regular credit cards, it can have a negative impact on your overall score. Instead of closing accounts, consider lowering the balance or having them frozen until the bill is paid off.

Before you call to set an appointment with a debt management company, gather all your paperwork and save copies of everything. That way, you can get off the phone quickly if there are any questions that need to be answered by your end. Without the necessary documents in place, you could lose time in getting out of debt.

When you ask a lot of questions, it allows the agency to see if this is the best option for your needs. If the debt management company provides all those services and more at no charge, then it may be worth contacting them right away. However, if there are hidden charges or fees, then it may be best to move on to the next one. Debt consolidation is a difficult process and you need to make sure you’re working with the right people so your credit does not suffer.

When people receive bills from debt management companies, they often feel the need to pay them right away. While this is an option, it does not mean they should do so. Depending on the amount you owe and how much of your funds are already going toward bills, there may be a better solution for paying off credit cards faster.

While some companies promise to stop all creditors from reporting accounts to the consumer’s credit report, that is rarely the case. Debt management companies will stop collections agencies from reporting your debt to the credit bureaus, but it can still appear on your report if you have not paid off the original owner of that account.

In order to make sure all payments are included in a new plan, you will need to map it out before you even contact the debt management agency. Once you know how much money will be included in your budget each month, you can make sure that all accounts are paid at one time every month for easy maintenance.

When people get overwhelmed with their finances and look for the relief they will often turn to a debt consolidation loan. While this might seem like the easiest solution, it may not be the best one for your situation. Some people have taken out loans that do not allow them to pay off their debts any faster than if they had never done so in the first place.

If you’re looking for more help with your debt management plan, you can find legitimate companies that have experts on hand to do all the heavy lifting. However, many personal finance gurus often recommend handling this process yourself rather than paying an expert for help. If you have problems following through or understanding exactly how much money is being saved each month by using a debt consolidation loan, then it might be in your best interest to get help from a professional. As long as you are following all of the tips above, you should have no problem paying off debt and rebuilding your credit score over a short period of time.

Get 95 Free Credit Repair Forms For Do It Yourself Credit Repair Free

From initial credit dispute letters to more complex forms and templates for help along the way to a better credit score.

Get Paired With A Credit Repair Professional Service Free

We audit and make certain the credit repair services we pair you with will do an excellent job doing the credit repair work for you.

Get Full Access To All Credit Help Repair Videos Free

12 video series on how to fix your credit by yourself. DIY is never better than when accompanied by video!

Get Your Free Credit Report Free

Everyone knows you can get a free credit report, if not where to get it. Get your three free credit reports today.

Credit Help Blog


Why You Should Pay Off Your Credit Cards Every Month

All too often, we have a hard time when it comes time to pay off your credit cards. In fact, the average card holder carries …

Read More
Credit History form

How to Create a Credit History

Starting out trying to get a better credit score is difficult if you don’t know how to start. How to create a credit history is …

Read More

Should I Take Out A Loan?

Know the Difference Between a Secured and Unsecured Loan A secured loan is actually a loan that has something valuable put up as collateral to …

Read More

Setting Fraud Alerts On Your Credit Report

Fraud Alerts Can Help Secure Your Credit Report If you’ve ever been the victim of identity theft, then a fraud alert on your credit report …

Read More
Payday Loan Las Vegas

10 Benefits To Looking Into Payday Loans In Las Vegas

Payday Loans In Las Vegas A cash crisis can come your way at any point in time especially when you are a fixed salaried person. …

Read More

Avoiding Credit Card Debt – Take These 12 Steps To Build Credit – Credit Repair Guides

Avoiding credit card debt means managing what you can pay for, use your credit card only for what you can afford to pay off at …

Read More