Many factors can lead to low FICO scores. Luckily, they can be fixed:

1. High debt level: Fix this by paying down your debts as fast as possible, starting with the highest interest

2. Lack of credit history: Fix this by opening a credit building account. StellarFi has no credit history required to join

3. False information: Remove false info by disputing it with individual credit bureaus

4. Negative items on credit report: Remove negative items like collections by paying them off. Some creditors will remove late payments if you call and explain your situation

5. Late payments or no payment history: Use StellarFi to build your payment history FAST using your monthly bill payments