Quick Credit Answers
Get instant answers to your most pressing credit questions with our streamlined FAQ system. Find what you need quickly, then dive deeper when you're ready.
Credit Score Basics
What's considered a good credit score in
2025?
A score of 670-739 is good, 740-799 is
very good, and 800+ is excellent. Most
lenders prefer 650+ for favorable terms.
See detailed
score ranges and what they mean
How often should I check my credit score?
Check monthly for active monitoring,
quarterly for maintenance. Free weekly
reports are available through
annualcreditreport.com.
Learn about
monitoring strategies
Why did my score drop for no apparent
reason?
Common causes include increased credit
utilization, missed payments, or new
credit inquiries. Sometimes it's just
normal fluctuation.
Explore score
fluctuation causes
Credit Repair Solutions
How long does credit repair typically
take?
Simple errors: 30-60 days. Complex issues:
3-6 months. Bankruptcy or foreclosure
impacts can last 7-10 years but improve
over time.
View realistic
timelines for different scenarios
Can I remove accurate negative
information?
No, accurate negative items must age off
naturally. Focus on building positive
credit history and managing current
accounts responsibly.
Learn about
legitimate dispute methods
Should I use a credit repair company?
You can do everything yourself for free.
Companies can save time but charge -150
monthly. Avoid any guarantees or upfront
fees.
Compare DIY vs
professional repair options
Credit Cards & Debt
What's the ideal credit utilization ratio?
Keep total utilization under 30%, ideally
under 10%. Per-card utilization also
matters - avoid maxing out individual
cards even if total is low.
Master
utilization optimization strategies
Should I close old credit cards?
Generally no - keep them open for credit
history length and available credit. Close
only if there's an annual fee you can't
justify.
Understand the
impact of closing accounts
How many credit cards should I have?
2-3 cards work well for most people.
Manage what you have responsibly before
adding more. Quality over quantity is key.
Find your
optimal card portfolio
Still Have Questions?
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