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Tip #7: how long does a late payment stick around?

Tip #7: how long does a late payment stick around?

As with everything credit, it depends!  First, payment history is the largest single factor on your credit score accounting for 35%. Now for a little good news, most lenders do not report late payments to the credit bureaus until you are more than 30 days late.  Note:...
Tip #6: Look out for identity theft

Tip #6: Look out for identity theft

Many people who are careful about paying bills on time and having minimal debts are shocked each year to find that they have low credit scores.  In many cases, this happens as a result of identity theft.  Identity theft is a type of crime in which people take your...
Tip #5: Avoid excessive credit

Tip #5: Avoid excessive credit

Journeys become more manageable when you know the path at the onset. Even if you have a clear goal of improving your credit, most people do not know the path to get there. At Sherpa Credit we specialize in finding the best path for your unique history and situation...
Tip # 4: Pay your bills on time

Tip # 4: Pay your bills on time

Any journey can seem overwhelming when you think about it all at once. At Sherpa Credit, we make the journey to improved credit manageable by breaking it down into clear steps. One of the best ways to improve your credit score is simply to pay your bills on time....