Everything you need to know about CreditMentor and your credit score.
EN: Pay your bills on time, keep credit card usage low, and avoid multiple loan applications in a short period. Small adjustments can lead to big improvements.
中文： 按时还账单和月供，控制信用卡使用额度，避免频繁申请贷款或信用卡。小改变，大不同。
EN: Not at all. Checking your own report is a "soft inquiry" — it's like looking in the mirror, not taking a test.
中文： 完全不会。你自己查询属于"软查询"，相当于照镜子，镜子并不会改变你的模样。
EN: Scores range from 300 to 900. Think of 600s as average, 700s as good, and 750+ as excellent — the kind that makes lenders take notice.
中文： 评分在300–900之间，越高越有利。600多分属于一般，700以上良好，750以上就很优秀了。
EN: Your report typically refreshes once a month. Check back often to stay on top of any changes.
中文： 通常每月更新一次。建议定期查看，确保自己始终掌握最新动态。
EN: Low scores, high existing debt, insufficient income proof, and application errors are among the top reasons for rejection.
中文： 信用分数偏低、负债过高、收入证明不足，或申请表信息填写有误，都是常见原因。
EN: Absolutely. We use bank-grade encryption and strict protocols to keep your data safe — it's not just a promise, it's our standard.
中文： 非常安全。我们采用银行级数据加密，保护你的每一份信息，不只是承诺，更是行动。