How credit is scored
Payment history, utilization, age, mix and new credit — what each one measures and roughly how much weight it carries.
Reading your report
How to spot duplicate accounts, incorrect balances, wrong dates and accounts that are not yours.
Utilization, explained
Why balances relative to limits matter more than the raw dollar amount, and how statement dates affect what is reported.
Your rights
Under federal law you may dispute inaccurate information yourself at no cost, and credit repair contracts can be cancelled within 3 business days.
Privacy Policy
We collect only the information needed to deliver our services: your contact details, identity documents and the credit information you choose to share. Data is transmitted over encrypted connections and stored in an access-controlled vault visible only to you and your assigned specialist. We never sell your data and we never ask for passwords to your bank, government or credit monitoring accounts. You may request deletion of your documents at any time by contacting support.
Terms
Gimme My Credit provides credit repair services. Outcomes depend on the accuracy of the information on your reports and on bureau and furnisher responses. We do not guarantee any specific score change and cannot remove accurate, current and verifiable information. You may cancel your contract without penalty or obligation within 3 business days of signing. Fees are only charged for services already performed.