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You really try to be responsible with your money.

But, no matter what you do, your credit score never seems to make it over that 700 hump.

Yup — you’ve got some algorithm spitting out a three-digit number that’s basically controlling your entire life. We get it: It’s frustrating.

Don’t give up just yet, though! These moves just might be the kickstart you need to finally get your credit score moving in the right direction.

Best of all? You can do all these things by the end of this week.

1. Write a Love Letter

…to your creditors.

If you generally have a pretty solid credit history, save for a few missteps, then sending a well-executed goodwill letter to those you owe could help get you back in good graces with them and improve your credit score.

You’ll want your letter to cover the following bases:

Explain why and how long you’ve been a loyal customer of the creditor.Take responsibility for the mistakes that led to the blemishes on your credit history.Describe the steps you’re taking to ensure these mistakes don’t happen again.Appeal to their sense of empathy. Show that you want forgiveness but also that you are determined to do better going forward. Show them you deserve this!Keep your letter clear and to the point.

Don’t forget to include important information, like your account number and the date and amount of the missed payment you want removed from your credit history. Once you’ve written your goodwill letter, address it using the information on the creditor’s website.

2. See if This Tool Can Raise Your Credit Score by 70 Points 

Having a bad credit score can really mess up a lot of your life plans. And it’s not exactly easy to build up your score, either. 

That’s why we like a company called CreditStrong. They could potentially help you raise your credit score by 70 points this year — even if you don’t have good credit or you have a “thin” credit file.

Here’s how it works: Every time you save money in your CreditStrong account, they report it as an on-time payment. After about a year of on-time payments, people see about a 70-point increase to their score and start to qualify for traditional lines of credit.
Getting started takes just a few minutes. Just create an account and link a bank account to see how much you could raise your score.

3. Ask This Website to Help Pay Your Credit Card Bill This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 5.99% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

4. You Can Become Debt Free — Without Paying it All Off

It doesn’t matter how much debt you’re in. Trying to stay on top of it all can be overwhelming.  Especially when the overdue credit card notices and threats from creditors start rolling in…

The good news is, a company called National Debt Relief could help you pay off your debt for significantly less than you owe, and in less time. No bankruptcy, no loans and no need to have good credit.

How? It offers a strategy a lot of people don’t know about, called debt relief.

Here’s how it works: If you owe at least $10,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts will create a customized plan just for you. As the monthly payments add up, they negotiate with your creditors to reduce the amount you owe. You then pay off the rest in a lump sum.

On average, you could become debt-free within 24 to 48 months.

National Debt Relief has already helped more than 500,000 people pay off over $5 billion in  debt.

Find out what your best options are for taking control of your debt and living the life you want. It takes less than a minute to sign up for a free consultation.

5. Ask This Company to Reduce a Big Chunk of Your Credit Card Debt

Not trying to be dramatic, but card debt is like a dark, suffocating abyss that swallows your finances and leaves you feeling trapped and helpless. 

So, what if you could just… get rid of credit card debt that’s weighing you down? 

A company called Freedom Debt Relief could help you do just that. Its negotiators could work directly with your credit card companies to reduce your overall credit card debt.

It’s free to talk with a Freedom Debt Relief debt consultant to determine the best strategy for your situation. You’ll need to show why you’re struggling to make your payments and tell them a little bit about your finances. 

Then, Freedom Debt Relief will work out just how much of your debt they could reduce — they’ve already helped over 850,000 people settle over $15 billion in debt. 

Once enrolled in the program, Freedom Debt Relief will negotiate a settlement with your creditor, and if you approve the offer they come back with, you’ll pay off that reduced balance though a monthly program deposit.

It’s free to see just how much of your debt you can get rid of.

6. The Most Hands-Off Way to Build Credit — Without a Credit Card

A lot of us are being held back by our less-than-stellar credit scores. That pesky little number can make life so difficult when you’re looking to take out a loan, get a credit card or finance a car.

A company called Cheese can help you improve your credit score — and it’s basically automatic. Cheese gives you a bank account that gets reported as a loan, and the money you stash in this account gets treated as loan payments. You can save any amount, starting at $24 a month, and it’s still your money in the end.

Consistency is the key. You can bail out and withdraw your money if you ever feel like you just can’t afford a deposit this month, because starting over is better than missing a month.

And that’s the game. Ideally, you want to do this for up to two years to see the best results. But you’ll likely start to see positive results soon after Cheese starts reporting your on-time payments to the credit bureaus. 

Ready to prove the credit card companies, mortgage lenders and auto dealers wrong?

Download the Cheese app and see how much you can build your credit. Some Cheese users have reported a 15 to 50 points increase in their credit score within just a few months.

7. Stop Wasting Money on Overdraft Fees

We’ve all been hit with an overdraft fee at one time or another. It’s like a cruel joke — “Woops; looks like you don’t have any money. Here, now pay this fee!”

It’s a major part of how banks make their money. But a debit card with Chime will let you overdraft up to $200 without any fees. Seriously. Then, the next time you deposit money, Chime puts that money toward repaying what they spotted you — no fees.

All you have to do is take a few minutes to sign up for an account. Then, when you set up a monthly direct deposit of at least $200, you’ll be able to enroll.* It’s super easy — plus, you won’t have to stress about overdrafting anymore.

*High Yield Savings (APY is Annual Percentage Yield). Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. $100 required to open account. There is a $10.00 excess transaction fee for every transaction over six for pre authorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. Information is as of April 7, 2022.

**National Average APY information as of 04/18/2022, according to the FDIC National Rates and Rate Caps.

Contact Freedom Debt Relief to see if you are eligible for their program

*Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

** 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. Learn more at

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