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Credit Report Secrets


Credit Bureaus unlocks all its credit secrets and shows you what it means to be credit worthy. We have the tools, tips and comparative credit report information to drive and guide you to obtain the best credit status you can dream of.

Get an agent to call you and help unlock the secret to credit health.


Were you aware that most credit report companies are not affiliated with the credit score. It is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people.

The number is a highly accurate prediction of how likely you are to pay your accounts. A number, roughly between 300 and 999, which measures an individual's credit worthiness. Your score is made up of information found in your credit report and can be grouped into the following main groups:

  • Payment History
  • Amounts owed / Account Utilization
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Remember, it's all about your CREDIT SCORE!


Account Payments

  • Pay your accounts on time.

Late payments and short payments can have a major negative impact on your score.

  • Get current and stay current.

The longer you pay your bills on time, the better your credit score.

  • If you are having trouble making ends meet, contact your creditors

This won't improve your credit score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.

Amounts Owed Tips

  • Pay off debt rather than moving it around. High outstanding debt can affect a credit score.

The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.

  • Don't close unused credit cards as a short-term strategy to raise your score.
  • Don't open a number of new credit cards that you don't need, just to increase your available credit.

Length of Credit History Tips

  • If you have been managing credit for a short time, don't open a lot of new accounts too rapidly.

New accounts will lower your average account age, which will have a larger effect on your score if you don't have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

New Credit Tips

  • Do your rate shopping for a given loan within a focused period of time.

Credit scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which enquiries occur.

  • Re-establish your credit history if you have had problems.

Opening new accounts responsibly and paying them off on time will raise your credit score in the long term. Request and check your own credit report.


Our partner Kudough Credit Solutions has taken the stress out of how to best improve your credit score and get the credit you deserve. As experts, they guarantee they can improve your status or your money back. Their secret is the algorithms and calculators built on their platform behind the credit report to identify what you need to do to improve your score and where to start. They have taken the worry out of status improvement.

Get your credit check from us and let Kudough do the rest.