About A Better Credit Rating
Welcome! We're glad you're here.
A Better Credit Rating was created with one simple mission: to help everyday people understand, build, and improve their credit — without the jargon, without the judgment, and without expensive services.
Why We Started This Site
Credit affects almost everything. Whether you're applying for a mortgage, financing a car, renting an apartment, or even getting a new job, your credit score follows you.
But here's the problem: most people never learn how credit actually works. Schools don't teach it. Banks don't explain it. And by the time you realize something's wrong, the damage is already done.
We've been there. We've dealt with surprise collections, confusing credit reports, and that sinking feeling of being denied for something because of a number we barely understood.
That's why we built this site — to share what we've learned so you don't have to figure it out the hard way.
What You'll Find Here
Practical, actionable guides on topics like:
- How credit scores are calculated (FICO, VantageScore, and beyond)
- Building credit from scratch — even with no history
- Disputing errors on your credit report
- Strategies like goodwill letters and pay-for-delete negotiations
- Understanding credit utilization and how to optimize it
- Recovering from bankruptcy, collections, or late payments
- Choosing the right credit cards, including secured cards and credit-builder loans
We focus on education first. Our goal is to give you the knowledge to take control of your own credit journey.
How We Keep the Lights On
This site is free to use. We're able to keep it running through affiliate partnerships — when you click certain links and sign up for products we recommend, we may earn a small commission at no extra cost to you.
We only recommend products we genuinely believe can help. If something isn't worth your time, we won't feature it.
For full details, see our Affiliate Disclosure.
A Note on What We're Not
We're not a credit repair company. We don't charge for services, and we don't promise to "fix" your credit for a fee. What we offer is information — the same strategies and knowledge that credit repair companies use, shared freely so you can do it yourself.
We're also not financial advisors or attorneys. The information here is educational. For personalized advice, always consult a qualified professional.
Get in Touch
Have a question? Found an error? Just want to say hi?
Reach out at [email protected] — we'd love to hear from you.
Thanks for stopping by. Here's to better credit and brighter financial futures.