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TruFico Credit Edu

Your credit file is a report card for your financial life.  Data gathering services LexisNexis and credit reporting organizations (Equifax, Experian, TransUnion) provide lenders insight into a persons' ability and willingness to pay back debt extended via mortgages, auto loans, utility bills, cell phone bills etc. 

In today's world, life can be extremely difficult without the access or ability to leverage credit.   

If you find yourself in a position where your credit file reflects a poor grade related to credit worthiness, you may benefit from a credit counseling services like 

We at offer services to all consumers wanting to improve their credit worthiness. 


Contact us today to Build Back Better Credit...


What is a FICO Score?

Your FICO score was created by the Fair Isaac Corporation and is used by 90% of lenders when making a decision about loans.  A FICO score is a numeric representation of your credit worthiness based on payment history, types of credit, the amount of debt owed and length of credit history.


Visit our blog for more information.

How Do I Get a FICO Score?

A high FICO score means you're a low risk-borrower, which could lead to cheaper loans with lower interest rates.  The following factors make up your FICO score...

  • ​Your Payment History

    • (35% of your score and the most important)

  • The amount of debt you owe

  • The types of credit you have

  • The length of your credit history

  • How many new accounts you've opened recently

  • How much available credit you're using

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Credit Cards

Do It Yourself Credit Repair

If your looking to improve your credit score and not ready to hire a professional credit repair service, our step-by-step DIY Credit Repair guide is the perfect solution.  Our comprehensive guide provides everything you need to know about credit repair, including how to dispute errors on your credit report, negotiating with creditors, and a practical tips and tricks for improving your credit score.  

Get started today and see the difference our DIY Credit Repair guide can make in your life!

Why Credit Monitoring

Give your financial life a boost with SmartCredit@ a partner of  This innovative credit management tool helps you monitor your credit, build your credit scores with strategic payments with budgeted money to maximize credit scores.  


You'll have 24/7 access to your credit information so you can stay on top of your credit health.  You will also be able to quickly and easily build your credit history by using the credit-building tools.


Don't let poor credit hold you back any longer.  Get started with credit monitoring today and take control of your financial future!  

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Build Back Better Credit 

Looking to improve your credit score? has partnered with the Credit Builder Card to help! This secured credit card is perfect for those looking to rebuild or establish credit. With responsible use, you can improve your credit scores and leverage your credit to get better rates on loans and credit products in the future. So don't wait, apply today and start building your credit tomorrow!

Bad Credit?

We Can Help!
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