Track
Credit
How the scoring system actually works, and how to build credit from zero without paying for it.
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What a credit score actually is
FICO is five factors. Knowing the weights changes what you do.
Building credit from zero, without paying for it
Secured cards, credit-builder loans, authorized user. End-to-end.
The single fastest score boost: utilization
30% of your score is utilization. Most people leave 50+ points on the table because of when they pay.
Disputing errors and dealing with collections
FCRA gives you real rights. Use them.