What is a Credit Score?
Your credit score tells lenders how trustworthy you are with credit.
Scores range from 300–850 — the higher, the better!
A good score means lower interest rates and more approvals.
A low score can cost you thousands in extra interest over time.
Protect your future — build your score today with Stevkale 2nd Chance Credit.
Scores range from 300–850 — the higher, the better!
A good score means lower interest rates and more approvals.
A low score can cost you thousands in extra interest over time.
Protect your future — build your score today with Stevkale 2nd Chance Credit.
Services include:
Personalized Dispute Options to Fit Your Exact Credit Repair Needs.
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An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Proces
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Custom Dispute Letters Submitted On Your Behalf.
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Access to Your Case Status and Updated Information - 24 Hours A Day / 7 Days A Week.
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Credit Repair You Can Trust
At Stevkale 2nd Chance Credit, we make rebuilding your credit simple and stress-free.
✔ Dispute Negative Items – We challenge inaccurate, outdated, or unverifiable accounts on your reports.
✔ Boost Your Debt Ratio – Learn smart ways to improve your score, even if paying off balances isn’t an option.
✔ Remove Credit Inquiries – Eliminate unnecessary inquiries that may be holding your score back.
Did you know?
Most credit reports contain errors, and the difference between your highest and lowest score can be 60 points or more — often due to incomplete or incorrect reporting.
✔ Dispute Negative Items – We challenge inaccurate, outdated, or unverifiable accounts on your reports.
✔ Boost Your Debt Ratio – Learn smart ways to improve your score, even if paying off balances isn’t an option.
✔ Remove Credit Inquiries – Eliminate unnecessary inquiries that may be holding your score back.
Did you know?
Most credit reports contain errors, and the difference between your highest and lowest score can be 60 points or more — often due to incomplete or incorrect reporting.
How to Help Raise Your Credit Score
1. Pay Every Bill On TimeConsistent, on-time payments are the single most important factor in your credit score. This includes credit cards, utilities, car notes, rent, and mortgages. Payment history makes up a large portion of your score — so set reminders or automate payments whenever possible.
2. Keep Credit Card Balances LowAim to use no more than 30% of your available credit on any card. If your balances are higher, make paying them down a priority. Lenders prefer to see multiple open accounts with low usage and a strong record of on-time payments.
3. Use Credit WiselyAvoid the “no credit at all” trap. You can safely build your score by running small, regular charges — such as utilities or subscriptions — through your credit card and paying it off in full each month. This builds a positive payment history without increasing debt.
4. Keep Older Accounts OpenThe age of your accounts matters. Even if you don’t use certain cards often, keep them open and active. Every few months, make a small purchase and pay it off to keep the account in good standing.
5. Be Patient and ConsistentCredit improvement is a marathon, not a sprint. Real progress takes time — sometimes several months — but every on-time payment and smart financial decision adds up. Stay consistent and you’ll see lasting results.
2. Keep Credit Card Balances LowAim to use no more than 30% of your available credit on any card. If your balances are higher, make paying them down a priority. Lenders prefer to see multiple open accounts with low usage and a strong record of on-time payments.
3. Use Credit WiselyAvoid the “no credit at all” trap. You can safely build your score by running small, regular charges — such as utilities or subscriptions — through your credit card and paying it off in full each month. This builds a positive payment history without increasing debt.
4. Keep Older Accounts OpenThe age of your accounts matters. Even if you don’t use certain cards often, keep them open and active. Every few months, make a small purchase and pay it off to keep the account in good standing.
5. Be Patient and ConsistentCredit improvement is a marathon, not a sprint. Real progress takes time — sometimes several months — but every on-time payment and smart financial decision adds up. Stay consistent and you’ll see lasting results.
How Long Do Items Stay on Your Credit Report?
Understanding how long different items remain on your credit report can help you plan your credit repair journey and manage your expectations. Below is a breakdown of how long each type of item typically stays on your file:
Delinquencies (30–180 Days Late)
Late payments can remain on your credit report for seven years from the date of the first missed payment that led to the delinquency.
Collection AccountsCollection accounts remain for seven years from the original delinquency date (the date of the first missed payment before the account was sent to collections).
If the account is later paid, it will be updated to show as a “paid collection.”
Charge-Off AccountsA charge-off occurs when a creditor writes off a debt as unlikely to be collected. These accounts remain on your report for seven years from the initial missed payment that led to the charge-off — even if you later make payments on it.
Closed AccountsClosed accounts are no longer active but may still appear on your report:
Any late payments before the card was lost will still remain for seven years.
Bankruptcies
Tax Liens
Inquiries related to employment or pre-approved offers only appear on your personal copy of your credit report — not the version lenders see.
Delinquencies (30–180 Days Late)
Late payments can remain on your credit report for seven years from the date of the first missed payment that led to the delinquency.
Collection AccountsCollection accounts remain for seven years from the original delinquency date (the date of the first missed payment before the account was sent to collections).
If the account is later paid, it will be updated to show as a “paid collection.”
Charge-Off AccountsA charge-off occurs when a creditor writes off a debt as unlikely to be collected. These accounts remain on your report for seven years from the initial missed payment that led to the charge-off — even if you later make payments on it.
Closed AccountsClosed accounts are no longer active but may still appear on your report:
- Closed with delinquencies: remain for seven years from the closure date.
- Closed in good standing: remain for ten years and can help your credit history.
- Late payments on closed accounts are removed seven years after they occurred.
Any late payments before the card was lost will still remain for seven years.
Bankruptcies
- Chapters 7, 11, or 12: remain for 10 years from the filing date.
- Chapter 13: remains for seven years from the filing date.
Accounts included in bankruptcy will also stay for seven years from the date they were reported as part of the filing.
Tax Liens
- Unpaid tax liens: remain for 15 years from the filing date.
- Paid tax liens: remain for 10 years from the payment date.
Inquiries related to employment or pre-approved offers only appear on your personal copy of your credit report — not the version lenders see.
Information That Cannot Appear on Your Credit Report
Certain types of personal or outdated information are prohibited by law from appearing on your credit report. These include:
- Medical information, unless you’ve given written consent for it to be shared.
- Bankruptcies (Chapter 11) that are more than 10 years old.
- Debts or delinquent accounts, including child support, that are over 7 years old.
- Personal details such as age, marital status, or race — especially if the report is requested by a current or potential employer.
Why This Matters
Your credit report should reflect your financial behavior, not your personal characteristics or private information.
These protections ensure that lenders and employers evaluate you fairly, based only on your credit history — not your health, background, or personal status.At Stevkale 2nd Chance Credit, we make sure your credit reports follow every rule under the Fair Credit Reporting Act (FCRA) to protect your rights and your future.
These protections ensure that lenders and employers evaluate you fairly, based only on your credit history — not your health, background, or personal status.At Stevkale 2nd Chance Credit, we make sure your credit reports follow every rule under the Fair Credit Reporting Act (FCRA) to protect your rights and your future.
These people had amazing results
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Before joining Stevkale 2nd Chance Credit, I felt embarrassed every time my credit came up. Now, I’m proud to say I’m on the right track — my scores have gone up, collections have been removed, and I just got approved for my first credit card in years. This program gave me back my confidence and peace of mind.
Callum R. |
What I appreciated most about Stevkale 2nd Chance Credit was the transparency. There were no hidden fees or surprise charges — everything was upfront and fair. Their team is professional, knowledgeable, and truly cares about helping people rebuild. The $99 a month has been worth every penny
Dave I. |
When I started with Stevkale 2nd Chance Credit, my credit was a mess and I didn’t know where to start. Within just a few months, my scores improved, and I was finally able to get approved for a new apartment. The team made everything easy to understand and kept me updated every step of the way. I’m so grateful for their honesty, patience, and results!
Gloria G. |
