The Pros and Cons of Refinancing a Car
February 28, 2023
Refinancing a car loan could mean massive monthly savings. The idea is you take out a new loan to pay off your existing auto loan,
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Collections/charge-offs
These accounts have the largest impact on your credit score. Use Cambio's free tools to resolve them
Late payments
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
Hard inquiries have a lower impact on your credit score. Learn more about how they impact you and possible ways to resolve them.
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Dispute hard inquiries
Generate your free hard inquiry dispute template now!
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Dispute collections
Generate your free collections dispute template now!
Takes less than 5 minutes
Step by step Improvement guide
Free templates and step by step instructions
Pay For Delete
Free guide and template! Learn how to resolve your collection accounts
Takes less than 5 minutes
Late Payment Goodwill Letter
Works best for accounts with only a few late payments
Debt Validation Letter
For collection accounts that have appeared on your credit report recently (Within the last 30 days)
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Latest Articles
How Convergent Outsourcing Inc. Could Impact Your Credit Report
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Have you ever heard of Convergent Outsourcing Inc. (Convergent)? It’s a collection agency that purchases debt accounts from creditors and tries to collect on them.
What is Capio Partners and How Will it Affect Your Credit Report?
January 19, 2023
When it comes to debt, many of us don’t want to think about the consequences. We all know that if we don’t pay our bills,
Jumbo Loan vs Conventional Loan: What’s The Difference?
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A good understanding of conforming vs jumbo loans will be helpful when researching mortgage loans or co-signing mortgage loans. Depending on your unique situation and buying goals, either a conventional loan or a jumbo loan may be best.
How Long Does Medical Debt Stay On Your Credit Report?
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Medically related bills that have not yet been paid, or have begun the payment process, may remain on your credit for varying amounts of time.
How To Get Medical Bills Off Your Credit Reports?
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The appearance of unpaid medical bills and the process of disputing medical bills on your credit report may be stressful to face. Understanding how to
How many lines of credit should I have?
April 7, 2022
There is no perfect number for determining how many lines of credit you need. However, having multiple cards can benefit your credit score.
Does asking for a credit increase hurt my score – A guide to increasing your credit limit
April 5, 2022
Increasing the limit on your credit card can help you improve your credit score. This guide will help you raise your credit score in the right way, helping you to build your credit.
Can you use “Buy Now Pay Later” to build credit
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“Buy Now, Pay Later” (BNPL) services offer payment plans that have been rising in popularity, allowing customers to spread the cost of purchase out. But, is there a catch to using these services?