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These accounts have the largest impact on your credit score. Use Cambio's free tools to resolve them
Even one late payment can have a large impact on your credit score. If yours are accurate, use our Goodwill template to resolve them!
Hard inquiries have a lower impact on your credit score. Learn more about how they impact you and possible ways to resolve them.
Generate your free hard inquiry dispute template now!
Takes less than 2 minutes
Generate your free collections dispute template now!
Takes less than 5 minutes
Free templates and step by step instructions
Free guide and template! Learn how to resolve your collection accounts
Takes less than 5 minutes
Works best for accounts with only a few late payments
For collection accounts that have appeared on your credit report recently (Within the last 30 days)
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Credit can be tricky to understand, but it is so important to the state of your financial health. Avoiding these habits – and creating healthy credit habits – can help you build and maintain a good credit score.
Initially, hard credit inquiries can affect your credit score negatively. If you are trying to rebuild your credit, disputing inquiries you don’t recognize will keep your credit score clean.
Personal loans and lines of credit are both ways you can borrow money to accomplish your goals. However, the way each type of borrowing works is very different.
If you have a credit card that you never use, you may be wondering how that may affect your credit score. Not using the card will not hurt your score, but closing it can affect your score negatively.
Installment credit allows you to borrow a set amount of money that will be repaid over a fixed number of equal payments, known as installments.
Depending on your creditworthiness, a good APR for a credit card can vary based on your personal credit history and the type of credit card you have.
If you are wondering why this acronym is showing up on your credit report, you may want to take a look into your wallet. If you have a credit card through The Home Depot, this could be why.
If you are drowning in or overwhelmed by your credit card debt, your credit card issuer may have a hardship program that will help you
If the acronym “SYNCB PPC” shows up on your credit report, it is usually caused by a PayPal Credit account being acquired by a bank. The bank, in turn, started reporting the accounts to each of the three consumer credit bureaus.
