Have you heard the saying, "Work smarter not harder"?

Improving your credit is working smarter!

Help yourself save on everything you finance by building a strong financial report card.

What's different about the information on this website?

There is...

- No sales pitches.

- Free articles with tips and warnings, clearly written and easy to understand.

- Information on how your credit is scored and the ways it can be improved.

- Links to relevant websites like the FTC, Equifax, Transunion, etc... - A unique, consumer oriented perspective not found anywhere else

- Peer reviews of relevant service companies to help you find the best company for your needs.

Enjoy this site. Learn,... then Act!

Thanks for visiting,

James Schenck

Free Credit Report Two options for obtaining your free credit report.

Credit Repair Kit Do you need a credit repair kit or a credit repair service? Learn more here.

Credit Monitoring What is credit monitoring? Do I need it? Where can I get it?

Cheap Credit Repair What is the best way to get cheap credit repair? By comparing your options.

Credit Repair Service What's with all the conflicting information on credit repair service companies? Get the bottom line, not spin from the companies or bureaus.

Do you need a home loan? Were you turned down for a home loan due to bad credit? Don't try to get a different loan, fix your credit!

Refinance Nearly everyone will refinance their home. Here's what you need to know before you do it.

Bad Credit & Mortgage If you have an adjustable rate mortgage and bad credit you may be in a dangerous situation. Find out how to protect your future.

Bad credit report equals pain in a$$ How much is your bad credit report costing you? Learn to build better credit.

Seasoned Credit Line What is a seasoned credit line? Should I cancel my old credit cards?

Credit Bureau Learn what makes a credit bureau tick and what you can do to improve your own credit.

Credit Fraud What is credit fraud? How can I protect my credit from theft?

Fico Score What is a fico score? How can I get mine?

Credit Counseling How do you know if you need credit counseling? Will it hurt your credit?

Debt Consolidation What is debt consolidation? How can it help me lower my bills?

Credit Cards for Bad Credit Do they have credit cards for bad credit? How can I get one?

Whats' a good credit score? What credit score is considered good? What is bad? Can I qualify for a loan?

Quick Tips Have bad credit? Get some quick tips on fixing it and keeping it on track.

Tax Deductions What do tax deductions have to do with credit repair? Find out!

Divorce & Bad Credit As if a divorce is not hard enough, it often also derails your good credit.

Best credit repair What is the best credit repair service? How can I be sure it will work for me?

Contact us Contact us

Contribute to this site I want to know what you think about any credit repair service you have used. Please use the "contact us" tab to contribute your your experiences.

What is a subprime loan? What is the story on subprime loans? Will this financial crisis affect me? Find the answers here.