Fix my credit
What is bad credit and how do I fix it?
300 to 650
Any score lower than 650* is generally considered “bad”
Fair
300
*Based off of a FICO® 8 score
Bad credit could keep you from:
Approvals
Getting approved for a mortgage
Low Rates
Securing good rates on a car loan
Top credit cards
Getting a low-interest credit card
Loans
Borrowing money from a prime lender
Find out where you stand
What affects my credit score?
Credit mix
It’s best to have many different types of credit accounts. Think things like a car loan, credit cards, mortgage etc.
Hard inquires
The fewer hard credit inquiries you have, the better. Soft inquiries will not affect your credit score.
Credit length
The longer your average age of credit, the better it is. You should not close old accounts for this reason.
Credit utilization
This is how much debt you have based on your credit limit. You generally don’t want to go over 30%.
Payment history
Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.
See what may be impacting the different areas of your credit
How credit repair works
Our proven process could help you work to repair your credit
Analyze
We work with you to review your credit reports for questionable negative items, including late payments, collections and more.
Challenge and Dispute
We work with your creditors and the credit bureaus to verify your questionable negative items as accurate, fair and substantiated.
Monitor
We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your credit goals.
How long does it take?
Past members saw a
40 point
average increase on their score in just 1 month
Over seventy percent of Tier1Club.com members saw a score increase after 1 month of using our services.
How many clients improved their score
How much could you save?
Use our simulator to see what savings could look like for your credit goals
Bad credit can save you
Goals | Interest Rate | Monthly Payment | 30 Year Savings |
|---|---|---|---|
Mortgage | 8.36% | $1,900 | $0
|
Credit card | 22.99% | $58 | $0
|
Auto loan | 15.11% | $697 | $0
|
Personal loan | 210% | $1,810 | $0
|
Apartment | N/A | Declined | Declined |
Employment | N/A | Declined
| Declined
|
*Assumptions: 30 year period with a $2,000 limit credit card every month; $250,000 mortgage with a 30 year term; four 48 month car loans; two $10,000 personal loans; and insurance every month.
*Based off of a FICO® 8 score
Average credit can save you
Goals | Interest Rate | Monthly Payment | 30 Year Savings |
|---|---|---|---|
Mortgage | 6% | $1,500 | $144,000
|
Credit card | 19.8% | $50 | $3,060
|
Auto loan | 9.85% | $632 | $12,480
|
Personal loan | 18.35% | $255 | $186,600
|
Apartment | N/A | 2X Deposit | 2X Deposit
|
Employment | N/A | Hired | Hired |
Good credit can save you
Goals | Interest Rate | Monthly Payment | 30 Year Savings |
|---|---|---|---|
Mortgage | 4.5% | $1,267 | $227,880
|
Credit card | 10.9% | $27 | $11,130
|
Auto loan | 7.17% | $601 | $18,432
|
Personal loan | 9.17% | $208 | $192,240
|
Apartment | N/A | Accepted | Accepted
|
Employment | N/A | Hired | Hired |
Great credit can save you
Goals | Interest Rate | Monthly Payment | 30 Year Savings |
|---|---|---|---|
Mortgage | 3.3% | $1,095 | $289,900
|
Credit card | 7.6% | $19 | $13,960
|
Auto loan | 5.9% | $586 | $21,312
|
Personal loan | 7.19% | $198 | $193,440
|
Apartment | N/A | Accepted | Accepted |
Employment | N/A | Hired
| Hired |
How much could you save?
A service for all budgets
Aggressive
Recommended for those who have a lot of negative items on their credit report
$$$
Moderate
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