Credit University

What Happens When a Family Member Steals Your Identity?

Identity theft occurs when someone uses your identity for their own financial gain. This can especially be a sticky situation when the identity thief is done by a family member. You will feel betrayed and violated leading to trust issues. However, you may find it hard...

The Cost of Living with Bad Credit

Your credit rating is important for your financial health. With a bad credit score, you will be subjected to high interest rates whenever you take a loan or borrow. It may also affect your expenses such as insurance, the result? Unfortunately subjecting you to higher...

How to Establish Credit for the First Time

Establishing credit for the first time may be tricky. If you do not have a credit history, it will be difficult to get a mortgae, credit card, or even a loan. So how do you show a repayment history if you can’t get credit? To have a credit score, you should have an...

What is the Difference between a Fraud Alert and a Credit Freeze?

Identity theft is one of the fastest growing crimes globally. Identity theft is one of the major reasons for bad credit and lack of access to financing. Both credit freezes and fraud alerts can be used to protect your access to credit. However, each method is used for...

Common Credit Questions

What is a credit report? When you apply for credit, the lender reviews your credit report before approving your application. The three major credit reporting agencies are Equifax, Experian, and TransUnion. These agencies, which are also called “bureaus,” collect and...

How long do negative items report on your credit report?

One of the most frequent questions our clients at Optimus Credit ask us is how long do negative items report on your credit report? Below is a list of various accounts and how long they can remain on your credit report. Delinquencies (30 – 180 days): Can remain seven...

Buying online? Make sure you are aware of the Do’s and Dont’s

Most of us enjoy Cyber shopping. Some of us do it to avoid crowds, some to save gas, and some for the convenience of shopping at any time of day or night. When you’re ready to make an online purchase, pay close attention to the information you need to enter. Should...

10 Facts Everyone Should Know About Their Credit Scores

1. Your Credit Report is Different From Credit Scores Credit scores are calculated using the information reported on your credit reports, which includes details of your credit accounts both open and closed, balance inquiries, payment history, how often you apply for...

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What Happens When a Family Member Steals Your Identity?

Identity theft occurs when someone uses your identity for their own financial gain. This can especially be a sticky situation when the identity thief is done by a family member. You will feel betrayed and violated leading to trust issues. However, you may find it hard...

read more

The Cost of Living with Bad Credit

Your credit rating is important for your financial health. With a bad credit score, you will be subjected to high interest rates whenever you take a loan or borrow. It may also affect your expenses such as insurance, the result? Unfortunately subjecting you to higher...

read more

How to Establish Credit for the First Time

Establishing credit for the first time may be tricky. If you do not have a credit history, it will be difficult to get a mortgae, credit card, or even a loan. So how do you show a repayment history if you can’t get credit? To have a credit score, you should have an...

read more

Common Credit Questions

What is a credit report? When you apply for credit, the lender reviews your credit report before approving your application. The three major credit reporting agencies are Equifax, Experian, and TransUnion. These agencies, which are also called “bureaus,” collect and...

read more

How long do negative items report on your credit report?

One of the most frequent questions our clients at Optimus Credit ask us is how long do negative items report on your credit report? Below is a list of various accounts and how long they can remain on your credit report. Delinquencies (30 – 180 days): Can remain seven...

read more

10 Facts Everyone Should Know About Their Credit Scores

1. Your Credit Report is Different From Credit Scores Credit scores are calculated using the information reported on your credit reports, which includes details of your credit accounts both open and closed, balance inquiries, payment history, how often you apply for...

read more

Get Credit Updates!

Name*

Email*

Zip Code

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RESOURCES

Pricing                  

Results                

Credit University


Terms & Conditions

Privacy Policy

Our goal is to ensure that you feel like you’ve made the right decision by hiring Optimus Credit Repair, and that you understand all of your worries and frustrations are now our problems and not yours. We want you to find comfort in knowing you have a dedicated, professional and friendly team behind you helping resolve all of your credit issues. Don’t wait to make a decision about our future, act now.

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