Here is what you
will learn from this FREE Course?
- How to access and interpret your credit reports for better financial insight.
- Strategies for identifying and correcting report errors to safeguard your score.
- Techniques to lower your credit utilization and enhance your creditworthiness.
- Steps to resolve collections and inaccuracies, boosting your credit health.
- Essential habits for gradually improving your credit score and maintaining good credit.
5 Reasons Why You Have Bad Credit?
1
Late Payments:
Missed or delayed payments negatively impact your score.
2
High Debt Usage:
Using too much of your available credit lowers your score.
3
Limited Credit History:
A short history offers less proof of creditworthiness.
4
Derogatory Marks:
Collections, bankruptcies, and defaults significantly hurt your score.
5
Excessive Credit Inquiries:
Too many hard inquiries in a short time can decrease your score.