THD Credit Consulting

THD Credit Consulting We can help repair credit reports, challenge bankruptcies, tax liens, and judgments. Request a free consultation. www.thdcreditconsulting.com

Putting your monthly bills on autopay is a no-brainer. It’s not just about avoiding late fees—it saves time and gives yo...
03/31/2026

Putting your monthly bills on autopay is a no-brainer. It’s not just about avoiding late fees—it saves time and gives you one less thing to think about every month.

Autopaying bills is often regarded as a no-brainer when it comes to managing your finances efficiently. But which bills are smartest to put on autopay?

An 850 vs. 800 credit score might not change how lenders see you, but that higher number gives you a little extra cushio...
03/24/2026

An 850 vs. 800 credit score might not change how lenders see you, but that higher number gives you a little extra cushion, so if life throws something your way, you’re still in a great position.

Learn whether an 800 vs. 850 credit score makes a real difference, and what benefits you actually get with each score.

It may sound risky, but it could be the best way to teach real-life money habits before they’re on their own. The key i...
03/17/2026

It may sound risky, but it could be the best way to teach real-life money habits before they’re on their own. The key is using it as a tool for guidance, accountability, and early financial education.

Giving your teenager a credit card as an authorized user can help build their credit score and teach real money skills. Here's why it works.

I often see people wanting to borrow their way out of debt. But, if the spending habits that created the debt don’t chan...
03/11/2026

I often see people wanting to borrow their way out of debt. But, if the spending habits that created the debt don’t change, the cycle usually starts all over again.

Progress happens when we address the habits that created the debt and commit to a sustainable strategy.

Borrowers who struggle with high-interest debt often turn to personal loans to help pay it off, but without a change in habits debt can become a cycle.

I tell all of my clients these two things are non-negotiable when it comes to protecting their finances…- Set up transac...
03/03/2026

I tell all of my clients these two things are non-negotiable when it comes to protecting their finances…

- Set up transaction alerts on all bank and credit accounts

- Freeze your credit with each credit bureau if you’re not planning to apply for a loan anytime soon.

At this age, your financial priorities shift to prioritizing security, simplicity, protection and peace of mind.

Credit score and debt are directly connected.The more credit card debt you carry, the higher your utilization and that l...
02/26/2026

Credit score and debt are directly connected.

The more credit card debt you carry, the higher your utilization and that lowers your score. Miss a payment? Your score drops even more.

Manage both strategically.

How to ditch your debt quickly

Unused credit cards can be closed without use. Keeping a no-annual-fee card open can have small benefits, i.e., credit h...
02/17/2026

Unused credit cards can be closed without use. Keeping a no-annual-fee card open can have small benefits, i.e., credit history, increased available credit, and lower credit utilization.

Keep it active with a small charge and auto-pay it off.

Citi closed my Double Cash card due to inactivity without warning. Here’s what Citi says, what happens to your points, and how to prevent it.

Closing a credit card account can affect credit score factors like credit age, utilization, and credit mix. Before you c...
02/10/2026

Closing a credit card account can affect credit score factors like credit age, utilization, and credit mix.

Before you close it, see if there is a lower-fee option or if you can request a retention offer. Keeping the card open can help preserve your credit profile but, of course, has to make sense for you.

Sometimes, closing the account may be the best move. But before you do, make sure you understand the new benefits, the timing of the changes, and the potential credit score impacts.

Credit scores may be measured by benchmarks, but what truly matters is how your score supports your financial needs. A “...
02/03/2026

Credit scores may be measured by benchmarks, but what truly matters is how your score supports your financial needs.

A “good” credit score is one that aligns with your personal goals and objectives.

Having a good credit score opens the door for lower interest rates on loans and credit cards, potentially saving you thousands of dollars over your lifetime

Strong credit isn’t built overnight—but if you can only focus on one area of your financial health, make it payment hist...
01/27/2026

Strong credit isn’t built overnight—but if you can only focus on one area of your financial health, make it payment history. It accounts for 35% of your credit score.

Only one in four Americans has a credit score above 800, which is considered exceptional, according to industry data.

Missed a credit card payment? Make a payment right away (even partial), call to ask for a late-fee waiver, and set up au...
01/21/2026

Missed a credit card payment? Make a payment right away (even partial), call to ask for a late-fee waiver, and set up autopay and reminders so it doesn’t happen again.

Protect your credit score.

Missed a credit card payment in 2026? Here's what happens next with late fees, interest, credit score timing, and the fastest way to fix it.

If you’re working toward good credit or aiming for exceptional, this is a good read to understand what really moves the ...
01/14/2026

If you’re working toward good credit or aiming for exceptional, this is a good read to understand what really moves the needle. If you’d like help applying this to your own situation, get in touch and let’s discuss your options.

Once you achieve a good credit score, you can start shooting for an exceptional credit score.

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