Free guides
Credit Score Education
Free guides from The Credit Lion: how credit scores work, your rights under the FCRA, and how to dispute inaccurate information.
Understand your credit score, then improve it
A better credit score starts with knowing what's on your credit report and what affects it. These guides cover what a good credit score is, how payment history and credit utilization work, how to check your credit report for errors, and how to dispute them. When you're ready for help, our Las Vegas credit repair team offers a free consultation.
Credit Score Basics
How credit scores work, what counts as a good credit score, and the five factors that make up your FICO score, explained by The Credit Lion.
Read the guideCredit and Payment History
Payment history is about 35% of your FICO score. Learn how late payments, collections and public records affect your credit, and how to protect your score.
Read the guideThe Amounts You Owe
Amounts owed and credit utilization make up about 30% of your FICO score. Learn the 30% rule and the fastest ways to lower your utilization and improve your score.
Read the guideTypes of Credit Used
Your credit mix (credit cards, installment loans, mortgages and retail accounts) makes up about 10% of your FICO score. Learn how to build a healthy mix over time.
Read the guideCredit Scores Are Good
Credit scores make lending faster and fairer. Learn why a good credit score matters for mortgages, car loans and credit cards, and how scores can recover over time.
Read the guideUse Your Credit Cards
Credit cards can help you build credit when used the right way. Learn how statement balances, on-time payments and timing can improve your credit score.
Read the guideCredit Score Errors
Credit report errors are more common than you think. Learn what causes mistakes on Experian, Equifax and TransUnion reports, and how to check your report for free.
Read the guideDisputing Inaccuracies
What to send Experian, Equifax and TransUnion when you dispute credit report errors, and what happens after you file a credit dispute.
Read the guideKnow Your Rights
The Fair Credit Reporting Act gives you the right to see your credit report, dispute errors and have inaccurate information corrected or removed. Here's what that means.
Read the guideBest Credit Products
The best credit cards and products for building credit, rebuilding after credit problems, earning rewards and growing business credit, chosen by The Credit Lion.
Read the guide
Ready to make your credit roar?
Start with a free courtesy consultation. We'll walk through your reports with you, show you what can be challenged, and lay out a plan.