What area do you need help with?

Building Credit Basics Credit Card Questions Credit Recovery & Repairs Housing & Grants

How can we help you build your credit?

I have no credit history - what's the best way to start building credit from scratch? How can I improve my credit score quickly? What's the difference between a credit score and a credit report? Should I close old credit cards I don't use anymore?

What would you like to know about credit cards?

I keep getting rejected for credit cards - what are my options? How many credit cards should I have to maximize my credit score? What's a secured credit card and do I need one? How often should I use my credit cards to maintain good credit?

What would you like to know about credit recovery and repair?

How can I fix mistakes on my credit report? If I have late payments, how long will they stay on my report? What's the fastest way to rebuild bad credit? Can credit repair companies really help my score?

How can we help with your housing and grants needs?

What housing grants are available for first-time buyers? How do I apply for government housing assistance? What income requirements exist for housing grants? Where can I find legitimate housing grant opportunities?