Cooperative Credit Solutions 

CREDITCOOP curates and shares posts and articles created by influencers and experts in credit, credit repair and lending. Our content is specifically designed to provide education, best practices and the best solutions for consumers and small businesses in managing CREDIT and DEBT. We love to publish and share content created by the many hard-working and dedicated writers on Credit, Money and Finance.

We also promote and showcase the best products and services and companies in the multitude of Finance and Credit providers, we emphasis the relationship and life changing benefits of Credit Repair, having  good Credit and the Lending/Funding process for consumers and businesses. 

CREDITCOOP  helps you achieve maintain and use your BEST CREDIT PROFILE to live your BEST CREDIT LIFE   

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  • Sun, June 26, 2022 9:20 PM | Rodney Turner Sr. (Administrator)

    It's just a matter of time before it happens the transmission blows on your car right around the time your daughter needs braces and your washing machine decides to call it quits all of these are unexpected expenses and something we need to deal with throughout life being prepared as much as you can is your best bet when life throws you a financial curveball, well if you don't have appliance insurance these tips might be a good home warranty solution. Use your BEST CREDIT PROFILE But if you can't wait check out the best credit cards of 2020, it could be wise to use your credit cards instead of a commercial loan, unless you can present your BEST CREDIT PROFILE Do your best to anticipate upcoming expenses if you're driving an older car or your dishwasher has seen it's better days start with a CREDIT REFRESH You may also want to start keeping an eye out for the best deals on replacements. Or an even better strategy is to have your BEST CREDIT PROFILE available to lenders, merchants, landlords, employers and credit card companies. Use your BEST CREDIT PROFILE to access lines of credit, Tradelines, business funding, equipment and property. You can use your BEST CREDIT PROFILE for completely unexpected expenses or to go on that vacation in paradise. Make sure you know that you have done everything you can to maximize your credit profile and once you have established your BEST CREDIT PROFILE learn how to leverage credit in amazing ways. This brings us to a good point. Here's how to get a CREDIT REFRESH and your BEST CREDIT PROFILE to make sure you're maximizing what credit you have. Even if you don't have credit, a credit review can help you learn how to establish credit using tradelines. Go over your credit scores, sign up for a banking app, choose the one you want or you like the best and that it fits your needs, the internet is full of banking apps and I'm sure you'll find one that suits you most anyone will do. Then sign up for Credit Karma Experian, Credit Sesame or any of the popular credit score, credit reporting and credit monitoring apps. In fact you can have several to use in your journey to your BEST CREDIT PROFILE You can optimize your credit report just like you can optimize a website, if you know how. Here's how to get your BEST CREDIT PROFILE Most experts agree 850 is the holy Grail of credit scores. The average credit score in the US is around 650, that means there's a lot of room for improvement for most people. Some people may find that 650 is an adequate credit score to get what they need credit-wise while others may feel that a 750 credit score makes things more obtainable. What about an 850 credit score? Well let me tell you at CREDITCOOP you can learn that you don't need an 850, 750 or 650 credit score to live your BEST CREDIT LIFE, even in some cases a credit score of 650 or less gives you plenty of room to maximize your creditworthiness with your BEST CREDIT PROFILE But what do you do when the expense comes up before you have a chance to set up your BEST CREDIT PROFILE? If you can temporarily hold out, get a CREDIT REFRESH and your BEST CREDIT PROFILE before you make that purchase, apply for that loan or use that standby credit card. A new line of credit, credit card, tradeline or loan maybe just what you need, after your CREDIT REFRESH and new BEST CREDIT PROFILE After you've signed up for the credit scoring apps or app of your choice, check them out, assess your situation and determine if your credit score and credit profile could use a CREDIT REFRESH and new BEST CREDIT PROFILE If so, the next step is the CREDIT REFRESH, this is done by checking out everything you need to know about credit repair and choosing a credit repair specialist to partner with to assess your credit and refresh your credit. Some credit repair companies are better than others, some are great at some things and not so great at others. Our review site provides reviews on all the popular and most reputable credit repair companies available. Some lesser known credit repair companies are also reviewed that are great too. Try your best to sign up with a company that fits your needs the best, research the top ones or if you don't have time to do the research, try the credit repair company that we recommend, Sky Blue. What do you do when the expense comes up before you have a chance to set up your BEST CREDIT PROFILE? Well perhaps you can make do without the item for a little while, maybe just a couple of months, long enough to maximize your credit score. If it's the dishwasher, that's easy. You can wash dishes by hand for a little while, but if it's the fridge or the car you rely on to get you to work now that's a different story. If you need the item that broke now, evaluate if it would be less expensive to pay cash for the item or wait until you can present your BEST CREDIT PROFILE or you can use a credit card that you may have or authorized to use. However before you make that purchase or use a credit card, know how to use that card or other credit cards to avoid penalties if your usage is incorrect. Even if this isn't the perfect solution you may be able to get by until you can present your BEST CREDIT PROFILE You can purchase a different car, refresh and rebuild your credit with vendors that report all of your credit activity. Including rent payment and buy now, pay later financing options. To work your way toward business funding for the purchase or alternative lending. Shuffle your credit card portfolio to see if you can trim the fat to get the best credit cards, best rates and best rewards. You're one and only goal right now is to maximize your credit score and get your BEST CREDIT PROFILE If you stick to our programs it won't take you long to maximize your credit profile. You can get rid of credit cards you don't need, get credit cards that have the best rewards and interest rates. Get new trade lines to help build your credit score Once you have your BEST CREDIT PROFILE you can use your optimized credit to get whatever you want. Get your FREE CREDIT REVIEW for CREDIT REPAIR with Creditcoop Sign up for CREDIT MONITORING with the app of your choice. Get your CREDIT SCORES and REPORTS Sign up with a CREDITCOOP CREDIT REPAIR SERVICE or learn DIY CREDIT REPAIR from our resources and partners. Buy Tradelines , if needed Earn your BEST CREDIT PROFILE Live your BEST CREDIT LIFE Before you apply for that next personal loan, read up on Personal Finance in fact the CREDITCOOP regularly shares the best articles on credit cards and cards for bad credit. While you're in the CREDITCOOP learn everything you need to know about, What Is Credit Repair? Credit repair involves fixing your bad credit in any way, shape or form. But when most people use the term "credit repair," they’re referring to the process of disputing errors on credit reports. You can go through the dispute process for free with each of the credit bureaus on your own. This involves filing a formal dispute with the credit bureau(s) in question either online or by mail. In your formal dispute, you want to provide a detailed explanation of the error and include any supporting documentation you have along with it. Learn more about disputing errors on your credit report. Many people don’t have the time to do their own credit repair or don’t understand how to make their case. So they look into hiring a credit repair company to dispute errors for them. These companies can charge a fee for their legwork—more on how that works below. There are times when the extra help is valuable. For example, if you have multiple errors across credit reports or you’ve been the victim of identity theft. This article looks at both types of credit repair—DIY and paid—starting with credit repair businesses, since there’s a good chance that’s what someone is means when they use the term, credit repair. CTA for Bloggers, content creators Consumers, Small Businesses, Entrepreneurs and Freelancers Use our platform to grow and show off your blogging and content creation skills for the credit and collection industry. Use your talents and skills for Content marketing and content creation business opportunities

  • Sun, June 26, 2022 7:53 PM | Rodney Turner Sr. (Administrator)

    Strategies to Repair Business Credit

    7 Strategies to Repair Your Business Credit

    John Rampton

    Updated on April 6th, 2021


    If you want your business to thrive and grow, then building and maintaining good credit is a necessity. Unfortunately, we don’t live in a perfect world. It might be time to repair your business credit.

    Clients bail on paying invoices for your products or services which then prevents you from being able to pay your expenses. It’s frustrating and embarrassing. But, it’s the reality of being a business owner.

    But, what can you do to repair your business credit after going through this rough patch?

    Here are seven strategies to repair your business credit score, which will in turn, pave the way for your long-term success.

    Make payments on time

    1. Make Payments On-Time

    “Past-due payments can negatively affect your business credit scores and ratings and sour relationships with vendors,” says Marco Carbajo for Dun & Bradstreet. “Making on-time payments – especially to trade references – can be an important part of rebuilding business credit.

    “Paying your debts on time can help demonstrate a record of financial responsibility, which may help you repair your business credit scores and ratings.”

    If you’re not in a position to pay off all of your debts on time, Carbajo suggests that you start with the largest invoices. For instance, the D&B PAYDEX® Score is dollar-weighted, “so you may be able to limit damage to your business credit file if you first cover the costliest debts owed to trade references.”

    Furthermore, if you’re struggling with making timely payments, you should reach out to your creditors and negotiate more favorable terms.

    2. Reduce Your Debt On “Revolving Credit” Accounts

    Credit scores are obviously impacted by how much debt you have. However, Maxine Sweet explains in a post for Experian that lenders also consider your utilization rate. In other words, they’re going to analyze “how much debt you have vs. the amount of credit available to you.”

    “For example, if you owe $5,000 on a credit card and have a credit limit of $10,000, you’ve used up 50 percent of your available credit. That means you would have a 50 percent utilization rate, which is very high and likely to hurt your credit scores.”

    When reducing your debt you want your utilization rate to be under 30 percent on all of your revolving accounts. In a perfect world, you should only charge whatever you can payoff each month.

    Here are the steps to help you find credit cards with high utilization rates:

    Review the last credit card billing statement for each card

    Write down the credit card debt owed

    See what your credit limit is for each card

    Divide your credit card debt by your credit limit (and then multiply by 100)

    Calculate your utilization rate for each card, and identify any cards over 30 percent

    3. Rehabilitate Past-Due Accounts

    All’s not lost if you’re past due on an account. Contact the creditor or lender and strike a deal with them that states that if you make at least 6 to 9 consecutive payments on-time, they’ll remove any negative marks or delinquencies from your account.

    Since this isn’t something that lenders frequently offer, or are required to do, you’ll have to reach out and negotiate with them.

    Here’s a sample pay for delete letter from The Balance that you can use to get this process started.

    Open Accounts and Don’t Close Any

    4. Open Accounts and Don’t Close Any

    “Every small business owner should have at least one to two credit accounts,” says Ramon Ray on MasterCard Biz. Despite the fact that “no credit” doesn’t equate bad credit, “there is nothing for lenders to use in evaluating your credit history, and you will most likely be turned down for the loan,” says Ray.

    When you do open new accounts or lines of credit, set-up automatic payments so that they’re paid on-time. And, make sure that you do not open too many accounts. Stick with the accounts that you only need.

    Additionally, closing accounts doesn’t always repair your business credit score. In fact, it could do damage to your score. Ray recommends that “if you have a credit card you have not used in a while, make a small purchase and pay it off immediately. Keeping an account open increases your overall debt availability, which raises your business credit.”

    5. Add Positive Trade References

    “Adding positive payment experiences that your company has with suppliers, vendors or business partners may have a positive impact on your business credit ratings and scores,” says our friend Marco Carbajo in an article for

    “Although not all vendors and suppliers share payment data with a business credit-reporting agency; you have the opportunity to add trade references to your company’s Dun & Bradstreet (D&B) credit file.”

    In fact, it’s a number of trade experiences reporting on your business credit report that generates a business credit rating. For a Paydex Score with Dun & Bradstreet, for example, you’ll need at least three trade references.

    Keep Business and Personal Finances Separate

    6. Keep Business and Personal Finances Separate

    In a previous Due post, Max Palmer said that “it’s important to keep your personal and business finances separate.” The first reason is that it matters to the IRS.

    “If you use items for personal purposes, you can’t deduct them as business expenses and use them to offset your business income,” says Palmer. If you don’t keep these costs separate, you could be subject to an audit.

    Separating your business and personal finances makes your record-keeping less complex and makes analyzing your budget easier.

    When you use your Employee Identification Number instead of your Social Security Number you’re not only impacting one score, you are impacting the other. For example, negative marks on your personal account could lower your business’s credit score if they are not separated.

    The easiest ways to keep these accounts distinct from each other is to have separate bank accounts and lines of credit.


    7. Get a Secured Bank Loan

    While loans can help rebuild your credit, what can you do if you don’t qualify for an unsecured loan? You could obtain a secured bank loan.

    Secured bank loans doesn’t require the great-of credit scores because it’s backed by an asset. For example, when you purchase a car, the bank holds the title until the vehicle is paid-off. But, if you already own a vehicle or a savings account or a certificate of deposit, then those could be used to get a secured loan.

    Before applying for a secured loan, make sure that you have enough money to make the payments each month. If so, then this is a solid strategy in repairing your business’s credit.

    NerdWallet has a useful article that explains secured and unsecured loans in more detail.

    John Rampton

    John Rampton

    John Rampton is an entrepreneur and connector. When he was 23 years old while attending the University of Utah he was hurt in a construction accident. His leg was snapped in half. He was told by 13 doctors he would never walk again. Over the next 12 months he had several surgeries, stem cell injections and learned how to walk again. During this time he studied and mastered how to make money work for you, not against you. He has since taught thousands through books, courses and written over 5000 articles online about finance, entrepreneurship and productivity. He has been recognized as the Top Online Influencers in the World by Entrepreneur Magazine, Finance Expert by Time and Annuity Expert by Nasdaq. He is the Founder and CEO of Due.


    About Due

    Due makes it easier to retire on your terms. We give you a realistic view on exactly where you’re at financially so when you retire you know how much money you’ll get each month. Get started today.

    Get Started






  • Sun, June 26, 2022 6:42 PM | Rodney Turner Sr. (Administrator)


    Debt has been a hot topic in the United States for years. The country owes trillions of dollars and the issue is only becoming more pressing. In this blog post, we'll take a look at what credit money and debt is, where it comes from, and some solutions that have been proposed to address it. We'll also discuss how this issue affects everyday Americans and global economies. By the end of this blog post, you'll have a better understanding of what credit money debt is and why it's such a big deal.

    What is debt? Consumer debt is the owed money on a credit card or line of credit. The debt may be from regular spending, or it may be the result of cash advances or balance transfers. The interest on credit cards can be very high, so it's important to pay off the balance as soon as possible.

    Credit counseling can help people manage their credit money debt and stay out of debt in the future.

    Consumer debt is a type of debt that is incurred when a consumer takes out a loan or uses a credit card. Consumer debt can be secured or unsecured. 

    Secured consumer debts are those debts that are backed by specific assets, such as a car or house. 

    Unsecured consumer debts are those that are not backed by any specific assets and therefore carry more risk for the lender. Consumer debt can be helpful in certain circumstances, such as when it is used to purchase a home, but it can also lead to abuses.

    Credit, money and debt have been a hot topic in the United States for years. The country owes trillions of dollars and the issue is only becoming more pressing. 

    In this blog post, we'll take a look at what credit, money and debt is, where it comes from, and some solutions that have been proposed to address it. 

    We'll also examine how credit cards work and how they impact everyday Americans and global economies. By the end of this blog post, you'll have a better understanding of what credit money debt is and why it's such a big deal

    We've taken the frustration and mystery out of trying to find the right solution for credit problems and managing your debt. Business or Personal Credit Repair could be your solution for funding the project of your dreams or just getting things done.

    Creditcoop offers unbiased content, resources and reviews to the top services and products in the world. Browse, compare, subscribe to the companies newsletters. Learn about ALL THINGS CREDIT AND COLLECTIONS. Personal finance money sources job opportunities. 

    See what we have to offer at

    Creditcoop Cooperative Credit Solutions

    We are the new CREDITCOOP, our cooperative features the best publishers and websites, trusted blogging that offers news, information, tools and resources, articles and videos curated specifically for consumers to learn all about credit.

    The more you know about credit, the more you can use it as an asset just like you use money. The difference is credit is a digital or contractual way to use other people's and businesses money. The lender's security is your credit score. We offer resources so you can learn how credit score works.


    Credit gives you the legal right to use other people's and businesses goodwill secured by your credit to make purchases.

    Most people know very little about credit,  our primary objective is to obtain it.

    Maybe you want to make a purchase right now and you don't have the cash on hand, CREDIT is the convenient  way to make that purchase.

    ALL THINGS CREDIT AND COLLECTIONS,  sure that's our tagline but it means so much to life as we know it. Credit can make things happen, it stabilizes our economy and it maintains or improves our standard of living.  If you really think about it, the topic is fascinating.

    Yet we use credit everyday, millions of transactions are processed every day and we don't give it a second thought .

    Sometimes we think about what credit score is needed to buy a house? Or we may think about what credit score is needed to buy a car? 

    What if the answers to the questions you have about credit, money and finance are to be found all in one place, well the answers you seek and more are all here at the Creditcoop

    People in general don't know how to obtain it, we don't know how to use it optimally, and we don't know how to fix it when it needs a refresh.

    Most importantly we don't know how to leverage it to live the lifestyle we choose. It's a tough decision trying to decide on what credit card should i get, or which credit card gives the best rewards?

    CREDITCOOP finds the best resources to help you make the best choices, even credit cards for bad credit can be researched and applied for here.

    Credit reporting companies partner with banks and creditors to control the market. They create rules  and draw up laws that the average person doesn't understand nor have time to learn about. 

    Alternative lending a relatively new way to acquire credit is trending

    Little is known about these lenders however the options that they provide that no one really knows about may just work for you. These lenders offer many solutions to credit for business.

    You have to do your research and comparative shop by all means you want to protect your credit rating and optimize it. 

    Unlimited free credit repair and Lending consultations with any credit repair or lending expert in the cooperative, will let them know that you need their help they will contact you and set up and initial consultation which includes services and pricing


    Fresh start Credit Repair and Lending Program

     Our 3 step program

    1 Credit, Financial Literacy and Financial Education VIDEO TRAINING

    2 Credit Repair/Credit Cleaning/Credit Building CREDIT REFRESH

    3 Complete Credit Repair Program from recommended companies CREDIT PROFILE OPTIMIZATION


    Credit Cards, Business Credit Tradelines, and Funding/Loans

    Check out our resources for Credit, Credit Repair and Lending at the CREDITCOOP


Blog posts



Credit can play a crucial role in your financial life and your personal life. Think of credit as an asset like money.

The same things you do with money you can do with credit.


In fact, in some circles protecting your CREDIT is as important as protecting your MONEY

Small issues can prevent you from financing your home or car, qualifying for loans or new credit, getting a new job or growing your business.

If you’ve been turned down for financing or only offered ridiculous interest rates, our Credit Solutions partners may be a great fit for you! 

We leverage consumer protection laws and strong dispute tactics to help you get the credit you deserve.

 Keep reading below to find out more, or…


Our Services

Look What We Can Do for You and Your Credit Profile

Credit Strategy

Find out how to increase your credit scores in as little as 60 days with our proven

Creditcoop Cooperative Credit Solutions Systems. The session is only 15 minutes or less and it’s FREE. 

Click the button below to schedule a Session.


Business Credit Repair

Personal Credit Repair

Your personal and your business credit are unique, and your situation needs personal attention. We not only dispute negative items, we help you build credit, and fight erroneous account reporting with the help of Consumer Attorneys.


Credit Building

Business Credit

Build credit with your EIN instead of your SSN! We can help you build a strong business credit profile. A perfect alternative to loans when you need capital to start, fund, or grow your business.


We’ve got this figured out and we solved the mystery of credit. Take a look at some of the proven process we’ve identified over the years:


We create custom factual disputes to challenge errors on your credit report to remove derogatory items holding back your scores.



Utilization is 30% of your credit scores in most scoring models. If needed, reducing your debt will help increase your scores.



We request the credit bureaus to verify all accounts and the information reporting about the accounts using the FCRA Section 609(a)(1)(A).



We request validation for any debt trying to be collected by Collections Agencies that are reporting on your credit.  (FDCPA 1692g)



We request details on accounts from the original creditors using the FCRA Section 623.



Collection companies often send letters that do not comply with the Fair Debt Collection Practices Act. Our associate attorney audits for violations.



We give you an Action Plan that outlines our plan of action and what you need to do to increase your credit scores and improve your overall credit file.



Find out how to increase your credit scores in as little as 60 days with Creditcoop Cooperative Credit Solutions

The session is only 30 minutes or less and it’s FREE.



After your credit strategy session we provide you with a Full comprehensive review of all your credit reports.



If you do not have positive accounts reporting your scores will not rise. We help you build credit the right way with the right accounts that will help increase your scores.



If required, we will have our trusted consumer attorneys engage with the creditors, credit bureaus and collections agencies in violation to file suits.



If at first you don’t succeed –turned down for credit cards or loans?  We do our best to ensure your credit is the best it can be. 

After completing the makeover of your personal and or business credit profiles,

We ask lenders, creditors and collection agencies to work together with your BEST CREDIT PROFILE

You'd be surprised on what a CREDIT REFRESH could do for your chances for approval. for those great new credit cards,  the loan you need for a major repair  or perhaps the funding that you need to grow your business.

Ready to Start Improving Your Credit? 

We’re Here to Help!

Do you have questions or concerns? 

We have answers! When you call us, you’ll receive a totally free, no-pressure Credit Consultation with friendly, trained credit pros who treat you like a person! Call now, or if you’re feeling phone shy, just click below!

Choose a lending solution from among our handpicked lenders





Disclosure: Some of the links on this page and through out this website are affiliate links, meaning, at no additional cost to you, Creditcoop will earn a commission if you click through and make a purchase.



What is “Pay-Per-Delete” and Should you Consider it as a Viable Option?




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.the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.


any circulating medium of exchange, including coins, paper money, and demand deposits.

paper money.

gold, silver, or other metal in pieces of convenient form stamped by public authority and issued as a medium of exchange and measure of value.

any article or substance used as a medium of exchange, measure of wealth, or means of payment, as checks on demand deposit or cowrie.


of or relating to money.








to supply with money or capital; obtain money or credit for.

to raise money or capital needed for financial operations.




the act of buying or selling in a market.

the total of activities involved in the transfer of goods from the producer or seller to the consumer or buyer, including advertising, shipping, storing, and selling.

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