# CreditPros360

> Credit Education, Financial Tools & Resources


## Posts

- [Court Bans Debt Relief Operators After FTC Impersonation Case](https://creditpros360.com/court-bans-debt-relief-operators-after-ftc-impersonation-case/): A federal court has permanently barred the operators of a debt relief operation from the industry after a Federal Trade Commission case involving alleged impersonation of banks, credit card companies and government agencies.
- [Hello world!](https://creditpros360.com/hello-world/): Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [What to Know About Credit Repair Claims](https://creditpros360.com/what-to-know-about-credit-repair-claims/): Be cautious of organizations that guarantee specific credit score improvements or promise to remove accurate, up-to-date negative information. The FTC offers consumer guidance on fixing credit, including signs of credit repair scams. Consumers can dispute inaccuracies themselves without paying a third party.
- [Build a Credit-Friendly Monthly Budget](https://creditpros360.com/build-a-credit-friendly-monthly-budget/): A budget can help you identify funds available for on-time payments and emergency savings. List monthly income, essential expenses, minimum debt payments and flexible spending, then calculate the amount remaining. Positive cash flow does not automatically improve credit scores; consistency and timely payments matter. Use our budget buffer calculator to test scenarios.
- [Debt Snowball vs. Debt Avalanche](https://creditpros360.com/debt-snowball-vs-debt-avalanche/): Two common debt-repayment methods differ in how they prioritize balances. The snowball approach applies extra funds to the smallest outstanding balance first, while the avalanche approach prioritizes the highest interest rate. Both require ongoing minimum payments on all debts to avoid delinquency. You can compare estimated outcomes using our debt strategy tool. Model results depend on rates, balances, and payment amounts.
- [How to Dispute a Credit Report Error](https://creditpros360.com/how-to-dispute-a-credit-report-error/): If information in a credit report is inaccurate, start by collecting supporting documents and describing the specific error. The CFPB explains that you generally should contact the credit reporting company and the business furnishing the information. Keep copies and track dates. The CFPB dispute guide provides instructions and a sample letter. This article does not advise disputing accurate information or promise removals.
- [Credit Utilization: What It Means](https://creditpros360.com/credit-utilization-what-it-means/): Credit utilization compares the outstanding balance on a revolving credit account with its available credit limit. A $300 balance on a $1,000 limit is 30% utilization. Our credit utilization calculator helps you explore the arithmetic for individual cards and all cards combined. Credit scoring models consider a variety of information; no specific utilization percentage guarantees a score change.
- [How to Read Your Credit Report](https://creditpros360.com/how-to-read-your-credit-report/): Start by checking your identifying information, account history, balances and payment details. Look for accounts you do not recognize, duplicate entries, incorrect balances, and dates that do not match your records. Credit reports are not the same as credit scores. You can obtain free reports using the federally authorized site AnnualCreditReport.com. If you find an error, document it and review your dispute rights with the CFPB.
- [FTC Sends Refunds to Cleo Cash Advance Customers](https://creditpros360.com/ftc-sends-refunds-to-cleo-cash-advance-customers/): On October 8, 2026, the Federal Trade Commission announced that it is sending more than $15.8 million to eligible Cleo AI customers.
- [FTC Issues Car Pricing Guidance: What to Check Before You Buy](https://creditpros360.com/ftc-issues-car-pricing-guidance-what-to-check-before-you-buy/): On September 15, 2026, the FTC published guidance for auto dealers on how to advertise vehicle prices clearly.
- [FTC Takes Action Against Credit Glory: What Consumers Should Know](https://creditpros360.com/ftc-takes-action-against-credit-glory-what-consumers-should-know/): On August 10, 2026, the FTC announced that a federal court had temporarily halted a network of credit repair businesses connected to Credit Glory.
- [RentGrow Settlement Highlights Tenant Screening Report Accuracy](https://creditpros360.com/rentgrow-settlement-highlights-tenant-screening-report-accuracy/): On July 9, 2026, the FTC announced a $2.25 million settlement with tenant-screening company RentGrow over alleged violations of the Fair Credit Reporting Act and the FTC Act.
- [Amazon Settles FTC Identity Theft Records Case](https://creditpros360.com/amazon-settles-ftc-identity-theft-records-case/): On June 30, 2026, the FTC announced that Amazon would pay $2.25 million in civil penalties to settle allegations that it violated the Fair Credit Reporting Act by refusing to provide transaction records to people whose information had been used by identity thieves.
- [CFPB Reports Reimbursements After Bilt Bank Transition](https://creditpros360.com/cfpb-reports-reimbursements-after-bilt-bank-transition/): On June 2, 2026, the Consumer Financial Protection Bureau reported that it was working with Bilt to address consumer issues arising from its transition to a new bank partner.
- [Household Debt Reaches $18.8 Trillion as Student Loan Delinquencies Rise](https://creditpros360.com/household-debt-reaches-18-8-trillion-as-student-loan-delinquencies-rise/): The Federal Reserve Bank of New York reported on May 12, 2026, that U.S.

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## Products

- [The 90-Day Credit Rebuilding Workbook](https://creditpros360.com/product/the-90-day-credit-rebuilding-workbook/): A structured 90-day printable workbook that helps organize credit habits, budgets, payments, balances, document reviews, and next steps.
- [Credit Report Dispute Toolkit](https://creditpros360.com/product/credit-report-dispute-toolkit/): Organize legitimate credit-report inaccuracies with original letter frameworks, supporting-document checklists, and follow-up records.
- [The DIY Credit Repair Guide](https://creditpros360.com/product/the-diy-credit-repair-guide/): An evidence-first guide to reviewing credit reports, understanding utilization, disputing actual errors, and improving everyday credit management.


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