Credit Repair 101
You’ve probably heard the term “credit repair” at least once or twice in your life. And, if you’re one of the 68 million score-able Americans with a bad or poor credit score (lower than 601), you’ve probably wondered if it can help your standing. But what is credit repair exactly? Let’s break it down.
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01 What Is Credit Repair?
Get your free credit score
02 How Does the Credit Repair Business Work?
What You Get With Our Credit Repair Services
Repair Your Past
Monitor Your Present
Build Your Future
03 What Do Credit Repair Companies Do?
04 How Long Does Credit Repair Take?
Trusted Leaders in Credit Repair
05 How Much Do Credit Repair Companies Charge?
06 When Should I DIY Credit Repair?
07 Are There Trustworthy Credit Repair Companies?
- They know your rights and want you to understand them, too. Before you sign any contract, a reputable credit repair company will explain your consumer credit rights to you and answer any of your questions regarding those rights.
- They want to know your story. It’s important for a credit repair company to understand why you want to dispute an item on your report so they can make sure those three standards Padawer mentioned — accuracy, fairness and full substantiation — are upheld by the data furnishers and the credit bureaus.
- They can explain, in detail, what they can do to represent you to the credit bureaus. Any good credit repair company knows what they can and can’t do for you and should be able to outline their services so you fully understand what you’re getting.