Credit Analysis Guideline

Fix My Credit

What is bad credit and how do I fix it?

300 to 650

Any score lower than 650 is generally considered “bad”

Bad Credit Could Keep You From

Approvals

Getting approved for a mortgage

Low Rates

Securing good rates on a car loan

Top credit cards

Getting a low-interest credit card

Loan

Borrowing money from a prime lender

What affects my credit score?

A donut chart showing breakdown of factors that affects your credit score.

How Much Could You Save?

Small changes today, big savings tomorrow!

Great Credit Can Save You

$490,373.01*

Goals
Interest Rate
Monthly Payment
30 Year Savings
Mortgage
10%
$2,632.71
$0
Credit card
24.99%
$104.19
$0
Auto loan
17.0%
$621.31
$0
Personal loan
24.0%
$1,438.40
$0
Apartment
N/A
Declined
Declined
Employment
N/A
Declined
Declined
Goals
Interest Rate
Monthly Payment
30 Year Savings
Mortgage
6.5%
$1,896.20
$265,143.83
Credit card
18.5%
$77.40
$9,644.47
Auto loan
12%
$556.11
$3,912.19
Personal loan
15.5%
$1,202.66
$14,144.32
Apartment
N/A
2X Deposit
2X Deposit
Employment
N/A
Hired
Hired
Goals
Interest Rate
Monthly Payment
30 Year Savings
Mortgage
5%
$1,610
$368,009
Credit card
12%
$51
$18,992
Auto loan
8%
$506
$6,864
Personal loan
10%
$1,062
$22,562
Apartment
N/A
Accepted
Accepted
Employment
N/A
Hired
Hired
Goals
Interest Rate
Monthly Payment
30 Year Savings
Mortgage
4%
$1,432
$432,168
Credit card
9%
$40
$23,024
Auto loan
6%
$483
$8,279
Personal loan
7%
$990
$26,900
Apartment
N/A
Accepted
Accepted
Employment
N/A
Hired
Hired
Disclaimer: The figures presented in this table are based on general assumptions about loan terms, credit card balances, interest rates, and credit score impacts. These calculations are for illustrative purposes only and may not reflect actual savings. Individual results will vary depending on financial circumstances, lender terms, and market conditions. For precise financial advice or tailored calculations, please consult a financial professional or lender.

How long does it take?

With us we see a

30-90 point

improvement as fast as 3 months and with an average increase
Over 90% of Vibranium Credit clients' saw a score increase within 3 months of using our services.

What Affects Your Credit Score?

Payment History: Paying your bills on time is critical. A single missed payment can drop your score by over 100 points.

Credit Utilization: High balances on your credit cards drag down your score. Aim for less than 30% utilization for better results.

Length of Credit History: A longer credit history positively impacts your score.
‍We analyze every factor affecting your credit and build a personalized plan to help you improve.

Our Proven Credit Repair Process

Analyze: We review your credit reports for any questionable items, such as late payments, collections, or other inaccuracies.

Challenge: We dispute inaccurate or unverifiable items directly with the credit bureaus on behalf of you as a client to ensure your credit report is fair and accurate.

Monitor: Through your client portal and app, you can conveniently check the progress of your credit repair journey at any time.

What Could You Save?

Improving your credit score could mean better loan rates, lower interest rates, and more financial freedom.

Take Control of Your Financial Future

Don’t let bad credit hold you back. Our tailored approach ensures that you’re always moving forward toward better credit and more savings.

Get Started with a Free Credit Analysis

Start your journey to better credit today.
We’ll guide you every step of the way!

Get a Free
In-Depth Credit Analysis

Our expert credit specialists are here to review your credit reports and identify negative or inaccurate accounts that may be lowering your score. Before we begin restoring your credit, we need a clear understanding of what's on your reports to create a customized plan tailored to your needs. This process takes just minutes, and our service costs significantly less than a few hours with a credit attorney. Let us help you take the first step toward better credit!

Sample Credit Analysis Report

1. If you already have one of the credit monitoring services listed below, you can skip to Step 3. Otherwise, proceed to Step 2 to order your credit report for just $1 and enjoy a discounted rate after the trial period.

* Fico Score 8
* Vantage Score
Identity IQ Logo


2. Order your credit report for $1.00

The first step is to order your credit report with a credit monitoring service from the options below before submitting the credit analysis form.

Identity IQ: $1 for a 7-day trial, then $19.99/month (discounted rate with our link).

MyScoreIQ: $1 for a 7-day trial, then $24.99/month. (discounted rate with our link).

Important Notes:
New Users Only:
The discounted rate is exclusively for new sign-ups. If you already have an IdentityIQ or MyScoreIQ account (even inactive), the discount will not apply.

One-Time Discount: If you cancel your discounted service and later reactivate it, the discount will no longer be valid.


Click the button below to sign up for a credit monitoring service and order your credit report. Please remember your username and password for Step 3.

3. Fill out the credit analysis form

For users with an active credit monitoring service (Step 1 continuation):

If you already have an active credit monitoring service, please proceed to fill out the Credit Analysis Form below. Make sure to select your active credit monitoring service from the drop-down menu and provide the correct username and password associated with it. This ensures we can retrieve your report and process your credit analysis.

For users who signed up for a credit monitoring service (Step 2 continuation):

If you recently signed up for a credit monitoring service using the links provided in Step 2, fill out the Credit Analysis Form below.

Select the credit monitoring service you signed up for, and ensure the username and password match the ones you used when creating your account.

Once we receive your submission, we will then email you your Free Credit Analysis report that shows all current negative items affecting your scores.

Credit Analysis Form

Add your details

You MUST order your Credit Report with one of the credit monitoring services we provide before filling out this form!

Vibranium Credit Form
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15-minute Credit Consultation

Free 15-minute credit consultation to go over your credit report and get a better understanding of our program.

Book Your Free Consultation

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