Seychelle Thomas

Seychelle is a Maryland-based personal finance writer and business owner. She's passionate about helping others out of financial pitfalls she's already dug herself out of. Most of her finance knowledge stems from her career as a Financial Consultant and Branch Manager at the 7th largest US bank. Read more of her work on credit, budgeting, debt consolidation, and entrepreneurship at www.seychellewrites.com

How to Change Your Credit Score Illegally

How to Change Your Credit Score Illegally [4 Ways + Legal Alternatives]

Attempting to claw your way out of debt and past credit issues is frustrating when you’re trying to earn a good credit score. Even when you do everything right, it still seems like it takes forever to see changes.  It might be tempting to take dishonest shortcuts to reach a better credit score overnight, but …

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Best Credit Repair Software

The Best Credit Repair Software for 2022

Each credit repair software has its strengths. Some are great at producing letter templates and tracking disputes. Others do the dispute for you and help you monitor your credit for any problems that come up later.  We’ll help you by reviewing the best credit repair software out there by assessing their strengths, opportunities, and why …

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DIY credit repair

The 9 Steps of DIY Credit Repair

Fixing your credit on your own is a big undertaking. It can quickly become an overwhelming process when considering all of the dispute letters, correspondence, and tracking. The more complex your credit situation is, the more time you’ll have to dedicate to fixing it.  Many people confuse the terms “credit repair” with “credit building”. It’s …

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Credit Karma vs Experian

Credit Karma vs Experian: Which One Should You Choose?

Our Verdict: Credit Karma has better credit monitoring and more features, but Experian actually gives you your “real” credit score. Plus it offers the wonderful Experian BOOST™ tool. Since they’re both free, it’s worth it to get both of them. Credit Karma is one of the most popular places to look up consumer credit reports. …

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Dovly Review

Dovly Review: A Unique Solution to Credit Repair

In 2018, Dovly started offering its one-of-a-kind credit improvement solution using an algorithm that fully automates the dispute process. The company is founded and led by immigrant women whose mission is to make credit repair more accessible to everyone. Dovly’s service is a game-changer, but there are still a few downsides. We’ll examine the pros …

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