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Healthy credit
Healthy credit is part of a healthy life.
We check your credit health, diagnose what to improve, and walk you through it step by step, whether you're fixing your credit or building it for the first time.
Your Credit Health Check
- Tell Tim your goal. A car, a home, lower interest rates, or just healthier credit.
- Get your 3 free credit reports. Tim walks you through it, one step at a time.
- See your credit health. A simple letter grade for each part of your credit, in plain words.
- Get your diagnosis. What's hurting your credit, what's wrong on your reports, and what to fix first.
- Follow your plan. Dispute letters for what's wrong, steps to build credit, and Tim checking in along the way.
Example credit health grades
- BPayment history
Paying on time, month after month - DHow much of your limits you use
Card balances compared to their limits - CLength of history
How long your accounts have been open - ANew credit
How often you've applied lately - CCredit mix
Cards and loans together
What we help with
- Building credit from the start, if you have little or none
- Finding mistakes and disputing what's wrong
- Understanding what helps and hurts your credit
- A budget that works for your life
- Getting ready to buy a car or a home
- Keeping your credit healthy over time
Tim walks you through it, any time
Tim, your digital support coach, guides you through every step, day or night. If you hit a roadblock, he brings in someone from our staff, and they pick up right where you are.
Our promise to you
- We only dispute what you believe is wrong or can't be verified.
- We never promise a certain score or that items will be removed.
- We never ask for your passwords. You log in to credit websites yourself.
Witness Health is a bonded West Virginia Credit Services Organization.
Ready to check your credit health?
It's free. Create your account and Tim will walk you through it.