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Credit Resources

Learn and understand the New Age of Credit and how you can leverage it to become financially independent. Credit Education is designed to boost your credit knowledge. From articles, to credit videos and free credit calculators, there’s always something for everyone.

Credit Calculator

Our Credit calculators can assist you in making financial decisions and answering financial questions: Prepare an estimate of when your debt will be completely paid off, assess the advantages of combining high-interest debt or devise a strategy to reduce your debt payments as quickly as possible.

Credit Utilization Ratio

Your credit utilization rate, sometimes called your credit utilization ratio, is the amount of revolving credit you’re currently using divided by the total amount of revolving credit you have available.

Debt-to-Income Ratio Calculator

Debt-to-income (DTI) ratio compares how much you earn to your total monthly debt payments. Crunch the numbers with our DTI ratio calculator and find out if you’re ready to apply for a home loan.

Consolidate Credit Card

Debt consolidation rolls your existing debts into one, ideally with a lower interest rate and shorter payoff time. This is often accomplished with a debt consolidation loan, but there are other ways to consolidate debt depending on your specific situation.

Pay Off Calculator

We’ll help you determine how many months it will take to free yourself from debt. Just input your current card balance along with the interest rate and your monthly payments.

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Latest Article

Need help with your finances, but not quite sure where to start? Read our blog for financial guidance, tips, and more!

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What Our Customers Are
Saying About Us

In case you’re curious for other prove from our loyal clients, click here to see all.
I would recommend Uptrend Credit to anyone who wants to get more in tune with their credit and building. They are very intellectual and informational. The best. They lay out the format and put you on the path towards generational wealth. The best! Wes and his staff are absolutely amazing.

ShaClay Nixon

Happy Client

I would recommend Uptrend Credit to anyone who wants to get more in tune with their credit and building. They are very intellectual and informational. The best. They lay out the format and put you on the path towards generational wealth. The best! Wes and his staff are absolutely amazing.

ShaClay Nixon

Happy Client

Frequently Asked Questions

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What is Uptrend Credit?
Uptrend Credit is an innovative platform that provides credit reporting services in a user-friendly and easy-to-understand format. Uptrend Credit uses the school system as a guide in its credit reporting services.
How does it work?
  • You will also receive 24/7 credit monitoring, credit alerts, credit report consultation, and access to our credit education center.
  • There are also optional benefits available to members including access to all 3 credit reports cards and credit grades (scores).
How much does Uptrend Credit cost?
BASIC 

$ 17.95 per month

PREMIUM

$ 22.95 per month

What do I need to enroll?
You will be automatically directed to our member portal once you have successfully completed the enrollment process. From the member dashboard, you can easily navigate between the different benefits. You will also receive a welcome email that contains your login credentials and other important information about your membership.
Are you a lender?
Credit grading generally looks at how late your payments were, how much was owed, how recently, and how often you missed a payment. This grading is calculated by a mathematical equation that evaluates many sorts of data points (score factors) from your credit report at that exact credit-reporting agency. There are five specific factors that come in how your score is calculated.

  • Payment History reflects whether or not you create payments on time on each of your accounts.
  • Credit Utilization covers the available credit you’ve used. If possible, keep on with 30% or less of your total available credit.
  • Credit Age shows how long you’ve had credit, and how old each of your accounts is.
  • Credit Mix covers the types of revolving and fixed-payment credit accounts you hold.
  • Credit Inquiries illustrate how many times you’ve applied for a brand new credit in the last few months or years. New credit applications make up 10% of your credit score.
Can I pay my bills with Uptrend Credit?
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How will this help impact my credit score?
Uptrend Score Factor is the basis of your credit scores. How far behind you’re on a bill payment, the number of accounts that show late payments, and whether you’ve brought the accounts currently are all factors. The higher your proportion of on-time payments, the higher your score is going to be.
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