21% of Americans Paying This Penalty

Subprime Tax Calculator$8,400/yr Bad Credit Penalty Exposed

610 FICO = $47/hr interest leak. Calculate your EXACT subprime tax vs a 740+ score. See the lifetime penalty you're paying - then escape it.

$18.2T

Consumer Debt Crisis

60M+

Americans Overpaying

$247K

Avg Lifetime Penalty

Your Debt Profile

FICO Score610

300PoorFairGood850

Auto Loan Balance$25,000

Credit Card Balance$8,000

Mortgage Balance$250,000

SUBPRIME TAX ACTIVE

$0/hr LEAK. Fix NOW or pay forever.

Your Subprime Tax Penalty

$2,177

Per Year

Per Hour

$65,299

30-Year Lifetime

Interest Bleeding This Session$0.00

Hourly Interest Leak by Debt

Auto Loan

$0.02/hr extra

Credit Cards

$0.02/hr extra

Mortgage

$0.21/hr extra

TOTAL LEAK

$0.25/hr

Rate Gap: 610 FICO vs 740+

Your Rate5.7%

740+ Rate5.0%

Rate Gap: 0.7% = $2,177/yr wasted

Your Escape Roadmap

30d

Drop utilization 30% = +65pts

Pay down cards below 30% utilization

$762/yr saved

90d

Fix 2 errors = +110pts

Dispute inaccurate items on your report

$1,306/yr saved

180d

740 FICO = FREEDOM

Full subprime tax elimination

$2,177/yr FREEDOM

Monthly Savings Potential

$181/mo

Put back in YOUR pocket

Escape the Subprime Tax

What is the "Subprime Tax"?

Hidden Cost of Bad Credit

The "subprime tax" is the extra interest you pay on EVERY loan when your FICO score is below 670. Lenders charge higher rates because they see you as higher risk - even if you've never missed a payment.

Average penalty: $8,400/year

The Rate Gap Reality

A 610 FICO borrower pays 4-7% MORE interest than a 740+ borrower on the same loan. On a $300K mortgage, that's $120,000+ extra over 30 years - enough to buy a house outright in many markets.

100 FICO points = $50K+ savings

60 Million Americans Affected

21% of Americans have FICO scores below 670, qualifying them for "subprime" rates. That's 60+ million people paying this hidden tax every single day - most without even knowing it.

$18.2 TRILLION in consumer debt

The Hourly Interest Leak Math

$47

Per Hour

(Avg subprime borrower)

$1,128

Per Day

(While you sleep)

$8,400

Per Year

(Vacation money gone)

$247K

Lifetime (30yr)

(A whole house!)

Frequently Asked Questions

What's the "subprime tax" exactly?

It's the extra interest charged to borrowers with FICO scores below 670. Lenders consider these "subprime" borrowers and charge 2-7% higher interest rates on all loans - auto, credit cards, mortgages, personal loans. It's not an actual tax, but it functions like one: money taken from your pocket that goes to lenders instead.

How much does 100 FICO points actually save?

On average, every 100 FICO points = 1-2% lower interest rates. On a $300K mortgage at 7% vs 5%, that's $144,000 in savings over 30 years. On a $30K auto loan, it's $3,000+ saved over 5 years. Credit cards? The difference between 24% APR and 15% APR can save $1,000+/year on a $10K balance.

21% of Americans = 60M people really?

Yes. According to FICO and Experian data, approximately 21% of US adults have FICO scores below 670 (the subprime threshold). With ~310M adults in the US, that's roughly 65 million people paying the subprime tax every day. The $18.2 trillion figure is total US consumer debt (mortgages, auto, credit cards, student loans).

Can I really fix my credit in 180 days?

Absolutely. The fastest credit improvements come from: (1) Paying down credit card balances below 30% utilization - can add 50-100 points in 30 days, (2) Disputing inaccurate negative items - removals can add 50-150 points, (3) Becoming an authorized user on an old account with good history - can add 30-50 points. Combined, 150-200 point improvements in 6 months are common.

Why should I help OTHERS fix their credit?

Because 60 million Americans need this help - and they'll pay $99-$149/month for it. Credit repair is a $5 billion industry growing 7% annually. With Credit Repair Cloud's software, you can help 10-50 clients escape the subprime tax while building a $5K-$15K/month business. Fix your credit first, then help others do the same.

Stop Paying the Subprime Tax Forever

100+ credit repair millionaires started by fixing their own credit first. Join the FREE 5-Day Challenge and learn how to escape the $8,400/yr penalty.

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