Have a question? ScoreShuttle is here to help.

What is credit? And why the heck do I need it?

‘Credit’ is a tool used by lenders, service providers, and a variety of financial institutions to determine whether or not you are a desirable candidate to loan money to - or provide services for. Whether you are looking to open up a new credit card, get approved for an auto loan, or maybe even buy a house - your credit will be an essential part of the qualifying process. Credit will also play a role in the security deposit amount, interest rate, and other terms you may be offered. To learn more about credit and why it’s important to your financial worthiness, click here to head to our ScoreShuttle blog.

What is considered a ‘good’ credit score?

According to Experian, credit scores range anywhere from 300 - 850. The higher your score, the more likely you are to qualify for the products and attractive terms you might be after. The exact score you may need to qualify for a purchase or new line of credit is determined by the lender. However, here is a quick breakdown of Experian’s model to get you started:

Very Poor: 300-579
Fair: 580-669
Good: 670-739
Very Good: 740-799
Exceptional: 800- 850

Is it worth spending money to improve my credit scores?

Yes! On average, a low credit score can cost you hundreds, to even thousands of dollars in added fees, unnecessary security deposits and costly interest. Meanwhile a high credit score does the exact opposite - and may qualify you for more favorable loan terms which could add up to significant savings over time. Click here for breakdown of exactly how much good credit could save you.

How does ScoreShuttle help me improve my scores?

When it comes to repairing or improving your credit, we think you will agree that online is just better. ScoreShuttle converted successful score-enhancing strategies, which were once done by hand, into a user-friendly DIY software. Instead of writing and mailing off letters to dispute derogatory claims, you can activate ScoreShuttle’s automated dispute cycle with a single click. Instead of meeting with pricey credit advisors, ScoreShuttle summarizes the same secrets into bite-sized video tutorials called, Credit Camp, so you can learn when and where you want.

How long will it take for my scores to increase?

If you follow the ScoreShuttle program correctly, you should experience a score increase within 6 to 8 months. It is advised to remain an active ScoreShuttle user for at least 12 months to receive maximum score results and secure credit protection.

Is it safe to use ScoreShuttle?

Absolutely. ScoreShuttle uses the best security bundle the industry has to offer, including a 128- bit encryption to protect the transfer of your data to our site and software. Click here to learn more about our privacy and security features.

Why do you need my social security number?

Your credit report is tied to your personal information. In order for ScoreShuttle to access your credit report, you do need to input your social security number.

Do you sell my information?

No. ScoreShuttle takes your privacy seriously, and never sells your information to unaffiliated third party marketers.

Does checking my scores hurt my credit?

No. Using ScoreShuttle to check your reports and scores is considered a soft credit inquiry and will not hurt your credit. However, a hard credit check, like those performed when you apply for a mortgage or car loan, may hurt your credit. Click here to learn how to spot the difference between soft and hard credit checks.

How do I access my ScoreShuttle account?

You can click, “Log In” at the top of the ScoreShuttle homepage, or click here to log in now. Simply plug in your email address and password to sign in.

I forget my password! How do I reset?

If you forgot or need to reset your password, you can click “recover my password” on the log in page or click here to reset now.

Why is becoming a Premium user so important?

As with most ‘free’ accounts, users are typically only allowed access to view their 1 bureau credit report and score - but not much else. Premium ScoreShuttle users access the tools, security, and DIY know-how needed to actually help you improve them.

Why is there no update on my dashboard?

ScoreShuttle keeps everything on your dashboard as up-to-date as possible. The 3 credit bureaus issue new reports every 30 days - which is typically when changes occur. If you are unsure when your last report was issued, log into your ScoreShuttle dashboard to view. Your next update will be about one month, or 30 days after the report date listed.

What is disputing?

When it comes your credit, disputing is the act or process of challenging any derogatory items that may be listed on your report. Errors, outdated accounts, or down right false information could be categorized as a derogatory. If left unchecked, derogatory items such as these could potentially damage your scores and can be disputed digitally from your ScoreShuttle dashboard. For more details on ScoreShuttle's disputing features, click here.

How can the dispute process help my credit?

The dispute process is a major component of credit enhancement. Here's how it works. If you'd like to dispute an item listed your credit report, simply click to activate ScoreShuttle's automated dispute cycle from your user dashboard. Once received, by law, the credit bureaus have 30 days to either respond or remove the item from your report. Anytime a negative error or derogatory item is successfully removed from your report, you could see an uptick in your credit scores. Please note that ScoreShuttle's automated dispute capabilities are only available to Premium ScoreShuttle users. To upgrade your account, click here.

What items can I dispute?

Shockingly, 4 out of 5 credit reports contain at least one error. Errors can be as minor as a typo, to something much larger such as a fraudulent or outdated account – which could negatively impact your scores. Inaccuracies, misleading data, or downright false information may be referred to as, “derogatories” – and can be disputed.

How do I start the dispute process?

If you choose to become a Premium ScoreShuttle user, the software will automatically analyze your credit report and highlight any items that may be negatively impacting your scores. If you spot a derogatory, such as the ones listed above, simply click to activate ScoreShuttle's automated dispute cycle to challenge the item(s) with either 1 or all 3 credit bureaus. Once clicked, the ScoreShuttle software will continue to dispute to capacity on your behalf.

Where can I check my progress?

For updates regarding your disputes, scores, and credit report - log into your ScoreShuttle dashboard anytime. Here are some more specific timeframes to consider:

Disputes: Once a dispute is sent and received, the credit bureaus have 30 days to either respond or remove the item from your report. That said, dispute updates are unlikely to occur until at least 30 days or more have passed.
Scores: Even if a derogatory(s) has been successfully removed from your report, it may still take 6 to 8 months of positive dispute and credit building activity to potentially experience significant score growth.
Reports: The credit bureaus issue new reports every 30 days. If you're not sure when your current report was issued, log into to your ScoreShuttle account to view the last date listed.

Please note that exact dates and personal progress may vary.

Does online credit repair really work?

Yes! Using the ScoreShuttle software to dispute derogatory items listed on your credit report is a fast and efficient way to begin the credit repair process. Pair this action with successful task completion via Credit Camp’s score-enhancing tutorials and you will be set for score success.

What should I do with all of the letters I’m getting?

Letters sent from the credit bureaus and/or collections companies are typically stall tactics designed to stop you from sending more disputes. However, these letters are usually cookie-cutter correspondence sent to everyone in their database - regardless of their personal situation. The ScoreShuttle software challenges these auto-responses to ensure that your side is heard. If and when received, please upload these letters onto your ScoreShuttle dashboard for additional review.

Why won’t collection companies stop calling me?

Ugh, if we had a nickel for these! Allegations of harassing collection calls are no stranger to the headlines. However, you do have options. The ScoreShuttle software puts the pressure back on collection companies by insisting that they provide proof regarding the item they are attempting to collect on – proof that they legally need, but rarely have. Please note that anytime you choose to speak with or correspond with collections agent, you run the risk of extending the statute of limitations that the item at stake is allowed to stay on your credit report. Click here to learn about more ways to help you conquer collections.

Where do I report suspected fraud or ID theft?

Premium users can use the Experian 24/7 live chat feature or call the telephone number listed directly on your credit report. From here, you can speak with an Experian consumer assistance associate who is trained in fraud victim assistance. Experian will work with you to investigate the fraudulent information on your credit report.

Why is there a charge on my account? I thought this was free?

ScoreShuttle is free if you enroll in the free, limited use subscription. Unless you upgrade to Premium, free subscriptions will expire after 30 days. As a reminder, free ScoreShuttle users only receive access to view their 1 bureau report and score. If you are looking to actually improve your scores, becoming a Premium user is highly recommended.

What am I paying for?

Unlike most ‘free’ credit websites that only give you access to your score, Premium ScoreShuttle users unlock a complete, score-boosting toolkit with everything you need to actually help you grow your scores, instead of just stare at them.

Can I move my payment date?

Of course! If you need to move your payment date, you can either submit a help ticket here for a fast response - or visit ScoreShuttle to send us a live chat during normal business hours.

Do you have a referral program?

Absolutely! If you refer a friend to ScoreShuttle, you get $50 and give $50. Simply log into your ScoreShuttle dashboard and push the “Earn $50” button in the top right corner. Your referral will receive $50 off of their first month’s payment after signing up to become a Premium ScoreShuttle user. Then you’ll receive a $50 credit towards your own account once your referral’s first payment is successfully processed.

How do I contact ScoreShuttle for support?

First, we advise you to check out all of the FAQs above to make sure that your question hasn’t already been answered. If you still need assistance, you can click here to submit a help ticket - or access our live chat on the ScoreShuttle website M-F during normal business hours.

Submit a help ticket.

What will you do with a higher credit score?