Welcome to the Cambio Learning Center!
Everything you need to jumpstart your credit score and achieve your goals
Check out our most used resource!
What can we help you with today?
Collections/charge-offs
These accounts have the largest impact on your credit score. Use Cambio's free tools to resolve them
Late payments
Even one late payment can have a large impact on your credit score. If yours are accurate, use our Goodwill template to resolve them!
Hard inquiries
Hard inquiries have a lower impact on your credit score. Learn more about how they impact you and possible ways to resolve them.
Video Guides
FREE templates and Guides
Dispute hard inquiries
Generate your free hard inquiry dispute template now!
Takes less than 2 minutes
Dispute collections
Generate your free collections dispute template now!
Takes less than 5 minutes
Step by step Improvement guide
Free templates and step by step instructions
Pay For Delete
Free guide and template! Learn how to resolve your collection accounts
Takes less than 5 minutes
Late Payment Goodwill Letter
Works best for accounts with only a few late payments
Debt Validation Letter
For collection accounts that have appeared on your credit report recently (Within the last 30 days)
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Ask a question
Get answers from Cambio experts or members who have been in your shoes.
Product Updates
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Credit Issues
Vent to other Cambio members working on improving their credit scores