Credit Matters

We are a registered credit repair company, founded in 2003.

Mission: We Believe in Second Chances, More Opportunities, and Helping People Achieve a Better Quality of Life.

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Credit Matters's cover photo

Using Your Tax Refund to Pay Off Collections – Wise or Unwise? | Credit Matters

It's Tax Refund Season! Be Cautious How You Spend Yours. Read this article before you use that big wad of cash from your tax refund to start paying off collections to improve your credit score.

Green Bay Credit Repair - The Basics

GreenBayGreg of Dellaire Realty interviews the president of Credit Matters, Dan Krueger, to talk about the basics of credit repair and credit scoring.

Visit - Today we are talking with Dan Krueger from Credit Matters. Dan is sharing the basics of establishing good credit when your tr...

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[09/28/11]   Did you know? . . . Credit Repair is very different from Credit Counseling.

Consumer Credit Counseling Service (CCCS) serves a different purpose (sometimes a viable option for some), but may not always be the most beneficial for you.

Here's why: Consumer Credit Counseling Companies have many names. They are also known as Debt Management Companies and Debt Negotiation Companies. The purpose of these companies is to offer debt-management plans (DMPs) to set up low-interest repayment plans so borrowers can pay off credit card debt over time. How it works is the consumer often pays one lump some to the credit counseling company and the company then negotiates the low interest rates with your creditors and pays all the debts off over a period of 3-5 years. Sounds good right? One problem is that while you are making these payments, your creditors are reporting them as late because you are making partial payments negotiated by the credit counselor. Another problem is that lenders look at this activity and compare it to a Chapter 13 bankruptcy. This credit counseling activity can remain on your credit report for up to 7 years and can severely affect your ability to gain financing now or in the future!

[09/22/11]   Credit tip for the day: If the amount you owe on revolving debt is more than 30% of your available credit limit, this will reduce your credit score.

Technically, your utilization ratio is calculated by taking all your revolving accounts (i.e., credit cards, charge cards) and dividing your aggregate balance by your aggregate limit. For example, if you have a credit card with a credit limit of $2500 and another card with a credit limit of $4500, then your aggregate credit limit would be $7000. If the amounts owed on the cards were $2000 and $1000 respectively - totaling $3000 - this would be a utilization ratio of 43% ($3000 divided by $7000). If this was your actual balance, it would hurt your credit score because it is over 30%.

Paying down credit cards is a very quick way to boost your score!

Reneé Backus Today, everyone knows credit worthiness is important. Society has put great emphasis on the credit score, making it crucial for consumers to know exactly how their credit affects specific areas of their life.

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2654 W Lawrence St Stop 5
Appleton, WI

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 12:00
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