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About Us formerly was created in 2007 to provide FREE information for consumers as well as small business owners to rebuild credit history and improve credit scores. Credit scoring is a game. Learn the rules and win every time. wants to share knowledge to help you improve credit scores. Credit history has become intimately tied to financial well-being. Unfortunately, many consumers know little about building and maintaining good credit. It's not a subject taught in school — but it should be. Access to credit is an important tool for wealth accumulation and for establishing the resources to withstand short-term economic hardships.

Even if you use cash, there's no avoiding your credit score.

What is a credit score?

A credit score is a three-digit number that uses information from your credit history to assess your creditworthiness. Credit reports contain your credit history which shows how likely you are to repay debts in a timely manner.

Why does my score matter?

Your credit score is one of the most important digits tied to your name. Credit scores are used in a variety of ways:

  • Your credit score is a deciding factor in whether you'll be approved for a mortgage, car loan, credit card or another type of loan.
  • Credit history may be used in determining if you get a job offer.
  • Landlords use credit to determine whether you get approved for an apartment and how much deposit will be required.
  • Credit scores determine how much you pay in interest. If you want to save money, improving your credit score is the first step. A good credit score will save the average borrower $250,000 in interest over a lifetime.
  • How much you pay for auto and home insurance can be tied to your credit scores.
  • Opening a utility like gas or electricity can be tied to your credit history. Getting a cell phone may involve your credit scores.

At Credit Mashup, we think you can improve your credit scores on your own with helpful strategies and tips. The more you learn about credit the better your scores will be. There is a lack of reliable and accurate credit information available for FREE. That's where we come in.

A good place to begin on the site is Credit Goals: Guide to improve credit scores for excellent credit in 2022. Take a look at the How to Repair Credit: A Step-by-Step Guide also. You will find great tips and resources to help fix your credit. If you need resources like credit cards, personal or auto loans for low scores you click the RESOURCES tab up top. For those who are unbanked and need a second chance checking account find several banks here. It's impossible to build wealth without a bank account.

If you do not have the time to invest in fixing your credit consider a credit repair company that helps clients remove multiple negative credit items.

Take control of your credit. Please bookmark and favorite our website and stop by often, information is updated frequently.


We take careful time and consideration in making sure the information contained herein is as accurate as possible. However, the information on this website for educational purposes only and is not intended to be legal advice. We assume no responsibility for the use and outcome of the information contained herein. You may need to consult an attorney for legal advice on subjects and issues covered in this website. (*See Terms of Service)

Advertiser Disclosure has financial relationships with some companies mentioned on this site, and may be compensated if consumers choose to apply for or purchase products via links in our content. However, whether or not we are compensated does not determine which products we mention or result in preferential treatment in our editorial pieces.

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updated: April 10, 2023