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Having bad credit today doesn't doom you to have bad credit forever. It just means you've got a little work to do in order to see your credit score rise. By taking control of your finances and making smart moves, better credit can be in your future.
Luckily, there are new tools that can help you build better credit. Some could even help you improve your credit score today. We've rounded up some of our favorite ideas for anyone who is ready for better credit.
Increase your credit scores instantly, for free
Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores1 <p>Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. <a href="https://www.experian.com/help/information.html?conf=ecs_ficoScoreDisclosure" target="_blank">Learn more</a>.<br></p> instantly.
Experian Boost® can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)
Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.
Stop getting ripped off by credit card companies if you owe less than $100,000
If you’re deep in credit card debt, the interest you accrue every month is anxiety-inducing. And even if you can make the payments, it knocks you to the floor every month, constantly piling up.
That’s where AmONE comes in. If you owe less than $100,000 in credit card debt, AmONE can connect you with trusted lenders who could help you pay off your debt faster, and without excessively high interest.
Let’s say you owe $25K. With the typical credit card APR of 25.00%, you’d pay over $500/month in interest alone. But with a rate as low as 6.99% APR — possible through AmONE — interest could drop to around $140/month.
You might be eligible if you check these 4 boxes:
- You don’t have perfect credit.
- You want to check your options first without affecting your credit score right away.
- You need trust: AmONE has an Excellent Trustpilot rating from 2,000+ verified reviews.
- You want to save $100s of dollars every month on your debt payments.
Take three minutes to fill out the form and see what options you qualify for. It's fast, secure, and certainly worth a shot if you’re feeling suffocated by debt.
Answer a few questions here to see your personalized options
Cancel your car insurance
We've got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $600. To find out if you're losing up to $600 or more a year, just answer a few questions, and then make sure to enter your zip, email, and phone, to see if you qualify for a lower rate. It takes less than 2 minutes.
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