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Do-It-Yourself Credit Repair
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What Is Credit?
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What Is a Credit Score?
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What Is a Credit Report?
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Removing Negative Records
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Dispute Strategies
- Disputing Primary Creditor Records
- Disputing Charge-Off Records
- Removing Remarks
- Disputing Third-Party (Debt Collectors) Records
- Time-Barred Debts
- Disputing Medical Records
- Strategies for Removing a Bankruptcy Record
- Avoiding Frivolous Disputes
- Avoiding the Credit Bureau's Automated System
- Making a Settlement Offer
- To Add or Not To Add a 100 Word Statement
- What to Do if the Credit Reporting Agency is Unresponsive
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Credit Building Strategies
Credit Repair
What is a Credit Score?
What Is a Good Credit Score?
What is considered a "good credit score" changes over time, depending on changes in the overall population's credit and payment history. No matter what the current "good range," think of a "good credit score" as a credit score that allows you to obtain credit at an affordable rate.
Below is a current bar chart showing the national distribution of FICO scores. Take a look and see where you stand.
VantageScore uses a grading system scale to estimate your ranking:
| Grade | Name | Score Range | Percentage of Population |
|---|---|---|---|
| A | Super Prime | 901 to 990 | 15% |
| B | Prime | 801 to 900 | 50% |
| C | Near Prime | 701 to 800 | 25% |
| D | Sub-Prime | 501 to 700 | 10% |
