Credit Blog
Credit Repair Blog: Guides to Fixing Your Credit
Plain-English guides to reading, disputing and fixing your credit reports, written by the credit repair team at 90 Day Credit Experts in Orem, Utah.
DIY Credit Repair Tools: What to Use If You Do It Yourself
You don't need to hire anyone to dispute credit report errors. Here are the tools that make doing it yourself faster and more organized.
Read article · 6 min → Build CreditAuthorized User Tradelines: Can They Help Your Credit?
Being added to someone else's well-managed credit card can add positive history to your report. Here's how it works, and when it does and doesn't help.
Read article · 7 min → Credit DisputesHow to Dispute Errors on Your Credit Report (Step by Step)
A step-by-step guide to disputing inaccurate information with the three credit bureaus, from gathering proof to following up on the results.
Read article · 8 min → Credit ReportsHow Long Do Negative Items Stay on Your Credit Report?
Late payments, collections, charge-offs and bankruptcies don't stay forever. Here's the timeline for each, and what to do if something outstays its welcome.
Read article · 7 min → CollectionsCollections on Your Credit Report: What to Do Next
A collection account can drop your score fast. Here's how to check it, challenge it if it's wrong, and decide whether and how to pay it.
Read article · 8 min → Late PaymentsHow to Remove Late Payments From Your Credit Report
A single 30-day late payment can cost you serious points. Here's how late payments are reported and the legitimate ways to get them corrected or removed.
Read article · 7 min → Charge-OffsWhat Is a Charge-Off and How Does It Affect Your Credit?
A charge-off doesn't mean the debt is forgiven. Here's what it really means, how it shows up on your credit report, and how to handle it.
Read article · 7 min → Local GuideCredit Repair in Orem, Utah: What to Know Before You Hire
A local guide to credit repair in Orem, Provo and across Utah County: what a credit repair company can do, what the law requires, and questions to ask.
Read article · 7 min → Home BuyingWhat Credit Score Do You Need to Buy a House in Utah?
Minimum credit scores for each type of home loan, how mortgage lenders read your credit, and practical steps to get mortgage-ready in Utah.
Read article · 8 min → Credit ScoresHard vs. Soft Credit Inquiries: How They Affect Your Score
Not every credit check hurts your score. Learn which inquiries count, how long they last, and how to dispute ones you didn't authorize.
Read article · 6 min → Identity TheftIdentity Theft and Your Credit Report: How to Fix It
If someone opened accounts in your name, federal law gives you powerful tools to clean up your credit report. Here's how to use them.
Read article · 8 min → About Our ServiceOur 150-Point Credit Warranty, Explained
A plain-English breakdown of how our 150-point, 90-day warranty is measured, what it asks of you, and what we do if your results fall short.
Read article · 5 min →Ready to find out what's on your reports?
A free credit assessment is a no-pressure way to go over your Equifax, Experian and TransUnion reports with a credit specialist and learn what 90 Day Credit Experts can help with.
Get a Free Credit AssessmentPrefer to talk? Call 385-360-5858.