Fix My Credit. Build Your Future.
Say Goodbye to Bad Credit. For Good.
Learn What’s Hurting Your Score and How We Can Fix It!

Credit score range indicator: red for poor, orange for fair, yellow for good, green for very good/excellent.

*Based off of a FICO® 8 score

Bad credit could keep you from:

Approval

Gettting approved for a mortgage

Car with percentage symbol on top.

Low Rates

Securing good rates on a car loan

Credit card icon.

Top Credit Cards

Getting a low-interest credit card

A stack of bills with a circle.

Loans

Borrowing money from a prime lender

Find out where you stand

What effects my credit score?

35%

Payment History

Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.

30%

Credit Utilization

This is how much debt you have based on your credit limit. You generally don’t want to go over 30%.

15%

Credit Length

The longer your average age of credit, the better it is. You should not close old accounts for this reason.

10%

Hard inquires

The fewer hard credit inquiries you have, the better. Soft inquiries will not affect your credit score.

How long does it take?

Past Members Saw a

75 to 250 Point

 Increase per bureau on their score in
3 to 6 Months

"Stuart gave me a clear plan and my credit score went up 98 points in two months!"

Melissa R.
Woman with curly brown hair smiles broadly, wearing a green and white patterned shirt, in front of a white door.
Black quotation marks on a white background.

"Thanks to Stuart, I fixed errors on my report and got pre-approved for a home loan!"

Jonathan D.
Smiling person wearing a green shirt with the word
Double quotation marks, black on white background.

"Stuart was honest, helpful, and got me real results fast. Highly recommend!"

Tasha M.
Woman with long dark hair, bangs, smiling, wearing a jacket with white stripes, and a white shirt.
Double quotation mark in black.