What is credit? Do I really 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 visit 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 time and 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. That said, dedicating your time and small cost of ScoreShuttle’s Premium software subscription may be well worth the attractive loan terms and potential savings a higher credit score could help you achieve. For a breakdown of exactly how much good credit could save you click here.

How does ScoreShuttle help me improve my scores?

When it comes to 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 potential errors on your report, 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?

On average, it takes about 6 to 8 months of successful DIY disputing and credit building activity to potentially experience results. This timeline allows the ScoreShuttle software to dispute any items you may have clicked to capacity – while giving you the opportunity to put Credit Camp’s tasks into action. Remember, you are the commander of your credit journey. This means you play a pivotal role on if and when your scores will improve. ScoreShuttle gives you the tech and tips needed to achieve the credit scores you want – but you must follow the step-by-step program to experience results. Once this estimated time frame is up, 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 256- bit encryption to protect the transfer of your data to our web application. 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?

To access your ScoreShuttle account 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. If you do not have a ScoreShuttle account yet, click here to sign up now!

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 login page or click here to reset now.

Why is becoming a Premium user so important?

Free ScoreShuttle users receive an exclusive preview of Credit Camp, along with access and a complementary review of their 1 bureau credit report and score for 30 days. This sneak peek allows users to get a gage of their current credit status but does not provide the score-boosting power or security features included in ScoreShuttle’s Premium software subscription.   For consumers looking to actually grow and protect their credit scores, becoming a Premium user is highly recommended.  Unlike ScoreShuttle’s limited free subscription, Premium ScoreShuttle users unlock the tools, security, and DIY know-how needed to actually help you improve your credit.

What is a derogatory?

To put it simply, a ‘derogatory’ is a negative mark on your credit report. A derogatory could damage your credit scores and may have a substantial impact on your ability to qualify for a new line of credit. The amount and level of derogatory items listed on your report could also negatively affect the terms and interest rates – if any, you may be offered. Here are some items that could result in a derogatory mark:

  • Late payment
  • Account in collection
  • Repossession
  • Foreclosure
  • Bankruptcy
  • Civil judgment
  • Any item that could be considered a credit risk

For best credit score results, consumers should strive to avoid, resolve, or remove any derogatory marks listed.

What is disputing?

When it comes to your credit, disputing is the act or process of challenging errors that may be listed on your report.  The goal of disputing is to ideally fix or remove any derogatory information that you believe is inaccurate. To learn more about ScoreShuttle’s digital disputing capabilities, click here.

How can the dispute process help my credit?

The dispute process is a major component of credit enhancement.  If you believe a derogatory item on your credit report is inaccurate – or listed in error, you have the option to dispute it. If your dispute results in a derogatory removal, you could see an uptick in your credit scores. Here’s how it works. If you sign up to become a Premium ScoreShuttle user, the software will analyze all 3 of your credit reports and highlight any derogatory items that may be negatively affecting your scores. If you spot an error, Premium users have the power to launch ScoreShuttle’s automated dispute cycle with a single click. Once received, by law, the credit bureaus have 30 days to either respond or remove the item from your report. If a credit bureau declines removal, the ScoreShuttle software will continue to send new disputes until the item has been disputed to capacity.  The more derogatory items you choose to dispute and are able to get successfully removed, the more likely you are to experience a score increase.  Click here to get started now.

What items can I dispute?

Shockingly, 4 out of 5 credit reports contain at least one error. If left unchecked, errors could result in a damaging derogatory mark on your report.  If you believe a derogatory is listed in error – or contains inaccurate information of any kind, Premium users can choose to dispute it digitally with a single click.  Here are some examples to consider:


  • Errors: typos, misspellings, duplicates, inaccurate amounts
  • Outdated Accounts: items over the statute of limitations
  • Fraud: activity or accounts opened without your knowledge
How do I start the dispute process?

If you choose to become a Premium ScoreShuttle user, the software will automatically analyze all 3 of your credit reports and highlight any derogatory items that may be negatively impacting your scores. If you notice an error or inaccuracy, such as the ones listed above, you can 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.

Why are there no updates on my dashboard?

ScoreShuttle refreshes your account on a daily basis. For updates regarding your disputes, scores, and credit report – log into your ScoreShuttle account anytime. Here are some more specific timeline estimates 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 will not occur until the credit bureaus’ 30 day response period has passed.
  • Scores: Even if a derogatory(s) has been successfully removed from your report, it may still take 6 to 8 months of DIY disputing and positive credit building activity to potentially experience score growth. Remember, you are the Commander of your credit journey. This means that your actions play a pivotal role on if and when your scores will improve.
  • Reports: 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 account to view.  Your next update will be about one month, or 30 days after the report date listed.

Please note that exact dates and progress results may vary depending on your unique credit situation, financial actions, and personal utilization of the ScoreShuttle software.

Does online credit enhancement really work?

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

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

Letters sent from collection 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 record-keeping purposes.

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. 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?

To report suspected fraud or ID theft, Premium users can contact ScoreShuttle for help. From here, a software specialist will review your information and connect you with the right Experian representative who is trained in victim assistance for further support.  If you suspect fraud or ID theft, click here to submit a help ticket – or access our live chat on the ScoreShuttle website M-F during normal business hours.

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

ScoreShuttle is free if you enroll in the free, 30-day use subscription. After 30 days, users must upgrade to Premium in order to keep their account active.  As a reminder, free ScoreShuttle users only receive access to view their 1 bureau report, score, and complementary report review. If you are looking to actually improve your scores, becoming a Premium user is highly recommended.

What am I paying for?

Unlike ScoreShuttle’s free subscription, 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.  There is a small fee associated with ScoreShuttle’s Premium software subscription. However, we hope you will agree that this cost could be well worth the attractive loan terms and potential savings a higher credit score may help you achieve over time.

Can I move my payment date?

Life happens. ScoreShuttle gets it.  If you need more time to cover your Premium subscription payment, simply log into your ScoreShuttle account, click on ‘settings,’ and request to ‘pause for 30 days.’ Please note that if choose this action, you will not be able to access ScoreShuttle’s Premium features until payment is received and the hold is lifted.

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 software 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 software 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.

What will you do with a higher credit score?