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What is bad credit?

300 to 650 is Bad Credit

(any score lower than 650 is “bad” and can prohibit you from)

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Credit Card

***Get approved for mortgages***

***Get low interest car loans***

***Get low interest credit cards***

***Get low interest personal loans***

Credit Assessment
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Buy the EBook and other tools

to clean your credit

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5 Tips to Improve Your Credit Score

  • Lower your credit utilization percentage

  • Know what you’re working with and dispute errors

  • Make sure accounts in good standing are being reported

  • Know when your balance is being reported to credit bureaus

  • Start paying off debt

TOP 10 CAUSES OF BAD CREDIT

  1. Late payments (On anything. Student loan, car loan, credit card, you name it.)

  2. Not paying at all

  3. Having an account “charged off”

  4. Having an account sent to collections

  5. Defaulting on a loan

  6. Filing for bankruptcy

  7. Foreclosing on a home

  8. Getting a Judgement

  9. High credit card balances (relative to your credit limit)

  10. Maxed out credit cards

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Image by Austin Distel
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