Guides

Explanatory articles from FundFlow. Each one describes a part of how credit actually works, in plain language, with no promises about any outcome.

1. 01How credit disputes actually workWhat the bureaus are required to do, the 30-day window, what "verified" means, and why accurate information cannot be removed.
2. 02What each credit score range actually qualifies you forWhat consumers in each range can realistically be approved for, and why 620 to 680 matters more than 560 to 620.
3. 03How credit-builder accounts work, and what they don't doWhy on-time payment history matters more than any single negative, why a product must report to all three bureaus, and what these accounts cannot fix.
4. 04What actually hurts a credit scorePayment history, utilization, hard inquiries, account age, and the difference between a late payment, a charge-off, and a collection.