Credit Repair

Credit Repair that fits you

One of the Fastest ways to increase your score is to remove negative items!

  • Personalized credit consultation
  • Credit report summary
  • Score evaluation & game plan
  • You can improve your credit score

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Having damaged credit can prevent you from obtaining loans, security clearances, and some jobs. If your credit is poor, working to repair it should be a top priority. Repairing your credit can allow you to secure loans at lower interest rates and buy a home or a vehicle that you want. Credit repair services might help you to restore your credit and make your life easier.

What does repairing your credit involve?

When you repair your credit, you fix bad credit and increase credit score by taking some type of action. Most people try to repair their credit by disputing mistakes in their credit reports. Errors can be disputed with each of the three major credit reporting agencies. You can get free copies of each of your credit reports from Equifax, Experian, and TransUnion one time per year at annualcreditreport.com. Once you receive them, you can carefully review them for any mistakes and dispute the errors that you find. If you find errors, you can file formal disputes with the relevant credit reporting agencies by mail or online. You should include detailed information about the errors that you have found together with any documentation that you might have. If you don't understand how to present your case or have time to try to repair your credit, you can hire a credit repairing company to fight the mistakes on your credit reports for you. The process works because of how the credit reporting bureaus operate. Your credit report must be completely accurate, fair, and substantiated. A good company that helps to repair credit should go beyond disputing errors and should also talk to your creditors.

What credit repair companies should do

A company that offers to help you to repair your credit should do the following things:
  • Correct errors on your credit reports and challenge negative information
  • Monitor your credit and send you alerts
  • Offer tools to help you to build your finances
Errors on credit reports are common. According to CNBC, more than 20% of consumers have material errors on their credit reports that make them appear to be riskier to lenders than they are. A company that helps to repair credit should start by getting copies of your reports from each of the three major credit reporting agencies. Each of the agencies has its own providers that report credit information. This means that errors might appear on one of your credit reports while not appearing on the others. Once you have identified the errors, you will then be asked to provide the repair company with documentation to support your claim of error. Once the creditors and credit reporting agencies receive the formal dispute and supporting documentation, they will work with the repair company to figure out whether the negative information should be removed. Several laws, including the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act, can all help to protect your rights.

How long does the process take?

One of the fastest ways to increase credit score is to get inaccurate and negative information removed from your credit reports. The credit reporting agencies must respond to disputes and resolve them within 30 days. This timeline works to your advantage since it is short. However, you are not guaranteed a particular outcome on your credit.

How much do credit repairing companies charge?

The price that you might pay for credit repairing services will depend on where you live, the types of services that you need, and the company that you choose. You should make certain that you understand what you will receive and how much it will cost before you sign a contract. Under the law, a company cannot charge you in advance before the work is performed.

Repairing your credit on your own

You can try to repair your credit on your own. If you have a simple situation and just have to dispute one or two obvious errors, you might want to try to repair your credit on your own. You should make sure to gather your documentation and be straightforward in your disputes. Mail your disputes or submit them online. You will need to dispute any errors with all three credit reporting agencies. If you do not dispute an error with each of the companies, it will remain on the other agencies with which you did not file a dispute.

Are credit repairing companies legitimate?

Some credit repairing companies are legitimate while others promise guarantees that they cannot deliver. If you see guarantees that your credit score will jump immediately, you should avoid those companies. You should also not choose a company that tries to charge an upfront fee. A legitimate credit repairing company should understand your rights and help you to learn about them. It should also inquire about why you want to dispute negative and inaccurate information to ensure that the standards are upheld. Credit repairing companies should explain what they can do to help you with the credit reporting agencies. A legitimate company will understand what it can do and should be able to explain its services to you.

Other steps to take to improve your credit score

One of the most common reasons why people have bad credit is poor spending habits. If your spending is out of control, you might fall behind on your payments and have a debt level that is too high. If you have these problems, you will have to make some lifestyle changes to improve your credit scores. Negative information can remain on your credit report for seven to 10 years, depending on its type. However, the impact of negative information decreases over time as long as you do not have new negative credit information. You need to take steps to improve your credit. A bad credit score can cost you thousands of dollars during your life. When you have bad credit, you will face higher interest rates on your loans and higher insurance premiums. Bad credit can also prevent you from buying a house, taking a vacation, or retiring.

Checklist of what you should remember about repairing your credit

There are several key things that you should remember about repairing your credit, including the following:
  • Credit repair takes time, and you will need to change how you handle your finances.
  • If you do not understand how to repair your credit, you should consult with an expert.
  • Results will not happen overnight.
  • You are entitled to a free credit report from each of the three major credit bureaus once per year.
  • You must deal with debt by examining your spending habits and identifying ways that you can cut back and save.
  • Repairing your credit takes patience.
  • You can cancel credit repairing services whenever you want.
  • You should learn about your consumer rights.
Trying to live with bad credit can be difficult. If your credit history has negative marks, repairing your credit with the help of a reputable company might help. By repairing your credit, you can dispute negative and inaccurate information to have it removed from your credit reports. You can also help your credit to improve even more by creating a budget and learning how to manage your finances. Have you ever found mistakes on your credit reports?