Know your credit.
There is a lot of misinformation about credit, and plenty of people believe nothing can be done about a bad score. These are the plain explanations, no sales pitch attached.
- Guides
- 8
- Cost to read
- Free
Understanding credit
What credit actually is, how a score is built and what counts as bad.
- Credit cards2 min readLearn Credit Basics: What is Credit?The term covers the action taken to correct the state of a person's credit, and the reasons it needs correcting.Read article
- Debt & bills2 min readUnderstand the Basics of CreditCredit is access to funds. How that works for individuals and businesses, and why almost nobody is self-sufficient.Read article
- Credit scores2 min readLearn Credit Basics: Credit ScoreHow the 300–850 range is calculated, what moves it, and what counts as good.Read article
- Credit scores2 min readLearn the Basics: What is Bad Credit?What a lender sees when they call a score bad, and how it usually got that way.Read article
Repairing credit
How disputes work, what can be challenged and how to keep a score healthy.
- Identity & security2 min readCredit Repair: What is it?What the dispute process involves, and what a credit repair company can and cannot do.Read article
- Credit scores2 min readFixing Credit: How Zinu Can HelpMost negative items trace back to errors. How challenging them can bring a score back up.Read article
- Identity & security2 min readTips to Improve CreditPay on time, manage utilisation, check all three bureaus and guard against identity theft.Read article
How lenders decide
What a creditor is weighing when they assess an application.
How bad credit affects you
A low score does not stay in one place. It reaches your insurance premium, your rent application, your phone contract and your job search.
See where it shows upFree, no obligation
Start with a free 10 minute credit analysis.
A specialist walks through your three reports with you and tells you what could realistically be challenged. No cost, no obligation, and no upfront fees.
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- No credit card, nothing to sign
- No hard inquiry on your file
- About ten minutes, start to finish