OMG,
your credit
isn't broken.
it's just bored.
We're the credit-glow-up rag for the 106 million Americans below 670 FICO. No boring bank-speak, no "just pay on time lol," no condescending Suze vibes. Take the roast, steal the stack, never flinch at a credit pull again.
The glow-up stack.
Six tools, ranked brutally.
The credit-builder loan that also doubles as a secured card. Zero credit needed to start. The one we recommend first, every single time.
A $5/mo revolving line built for utilization hacking. Pairs perfectly with Self — we call it the "OMG combo."
3-bureau monitoring + dark-web alerts. You can't fix a score you can't see. We use it ourselves.
2% gas, 1% everything. Graduates to unsecured in ~7 months with on-time pays. We don't recommend Capital One's secured anymore — this one beats it.
Free tool that counts Netflix, rent, utilities, and phone bills toward your Experian score. No downside. Just click the thing.
Only recommend if you owe $10K+ unsecured and can't realistically pay it back. Free consult. Read the CFPB disclosures before you sign anything.
Let us roast your credit.
Gently. Mostly.
90 seconds. 7 questions. You'll get a personalized 3-step glow-up plan with the exact products that fit your score — and zero recommendations that don't. Pinky.
Recent glow-ups.
Receipts attached.
"I thought my score was permanent. Turns out I just had a collection I didn't know about and 94% utilization. Fixed both in a weekend."
THE STACK →
Self Credit Builder · Kikoff · Experian Boost · Dispute letter template
"Got approved for the apartment I'd been renting via Zillow scam accounts for 2 years. Landlord didn't even ask for a cosigner."
THE STACK →
Discover it® Secured · IdentityIQ · Autopay rotation · CFPB complaint
"I had 4 medical collections and no idea they were even reporting. Mailed the right letters and 3 came off in 45 days. Not magic — just annoying paperwork."
THE STACK →
Dispute letter pack · Self · Experian Boost · NDR consult (skipped)
Questions we get a lot.
Are you actually a credit repair company?
Nope, and that's intentional. OMG Credit is a financial media brand — we write, we teach, we recommend tools. We don't fix your credit for you. If you need full-service credit repair, we'll point you to CROA-compliant options and explain your DIY rights under the Fair Credit Reporting Act (which are the same rights the paid services use).
How do you make money if the Roast is free?
Affiliate commissions. When you open a Self account, a Discover secured card, or an IdentityIQ trial through our links, the company pays us a flat fee. We only recommend products we'd use ourselves — and we tell you when a tool isn't worth it. See our full advertiser disclosure.
Is the Roast actually personalized or is it a quiz funnel?
It's both, honestly. The quiz algorithm routes you to 1 of 9 plans based on your score, your goal, and your debt situation. You'll only see products that fit — if your score is 720+, we're not going to pitch you a secured card.
I see a lot of scammy credit TikToks. How are you different?
We hate them too. We don't sell tradelines (those are often illegal under 18 USC §1028). We don't sell CPNs (same). We don't promise "guaranteed" score jumps. Every claim on this site is backed by either aggregate first-party data, linked sources, or a case study with a receipt.
Who reviews this content?
An NFCC-certified credit counselor reviews every "money" article. Content on debt relief and credit repair is additionally reviewed against FTC Endorsement Guide (16 CFR Part 255) and Telemarketing Sales Rule §310 requirements. We're not your lawyer or financial advisor — just friends who read the boring stuff so you don't have to.