CreditFix Blog
Practical guides to help you understand and repair your credit.
Collections can tank your score by 50–100 points. Here's exactly how to use the FCRA to dispute inaccurate or outdated collection accounts.
Utilization is the second-biggest factor in your score — and it's the one you can change fastest. Learn the 30% rule and why it matters.
Late payments, charge-offs, bankruptcies — they don't stay forever. Here's the exact timeline for every negative item under the FCRA.