Credit repair is the process of disputing negative marks on credit reports to get them removed, which raises your credit score. Credit histories often contain inaccurate or invalid items that damage your score. If you check your credit and your score is lower than you anticipated, it could be because of incorrect information on your credit reports.
You're also entitled to a free credit report if you've been turned down for credit because of something on your credit report, if you're currently receiving government assistance, if you're unemployed and plan to look for a job soon, or if you think you've been a victim of credit card fraud or identity theft. Some states even have laws that let you get an additional free credit report each year. All these free credit reports should be ordered directly through the credit bureaus.

Once you have your credit reports, read through them completely. If you have a long credit history, your credit reports might be several pages long. Try not to get overwhelmed by all the information you're reading. It's a lot to digest, especially if you're checking your credit report for the first time. Take your time and review your credit report over several days if you need to.


A credit repair agency doesn’t technically do anything that you can’t do yourself, but the service is worth it for many people who find the DIY credit repair process time consuming and confusing. The best credit repair service combines financial education with proven techniques to remove negative items from your credit history. If your poor credit resulted from a complicated situation out of your control, such as identity theft, professional credit repair services save you time and effort.
Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.
After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.

Disclaimer: TurboDispute has no affiliation with the credit bureaus. TurboDispute LLC is not a Credit Repair Organization and does not provide credit repair services or financial or legal advice. TurboDispute’s intended use is to help you automate the time-consuming process of creating dispute letters to help you communicate with credit bureaus, original creditors, collection agencies, chexsystems, telecheck and provide you with educational materials. You may use the software to challenge credit items identified as inaccurate, misleading, or unverifiable, but no consumer has the right to have accurate, current, and verifiable information removed from a Credit Report. Further, you must make sure that you do not send any dispute letter or form, which contains any untrue statement of fact about your customer’s situation. This product provides certain information about the law. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your situation or how the Software and this information may apply to you.
Pyramid did not blow us away with the description of their services. Who do they contact to submit disputes? How quickly do they follow up? Which types of circumstances do they help with? Most of their competitors offer lengthy lists of exactly which types of disputes they draft and what to expect from the service; Pyramid's answers were vague at best.
One major difference between the two plans Ovation offers: you'll be in charge of submitting disputes on their lower-priced package. They'll guide you through the process of determining what to send and to whom, but you'll be responsible for making it happen. If you prefer that your credit repair service submit those dispute letters on your behalf, you'll want to choose the Essentials Plus package.

Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 to 45 days to investigate a disputed claim. If they can’t verify it within that time, they must remove the entry. For example, if you file a dispute with a credit bureau over a late payment and your creditor can’t verify the information, the bureau must remove that late payment from your credit report. For payments less than 90 days late, you can request a goodwill adjustment from your creditor and set up payments to prevent further damage to your credit history.
If you've already used up your free credit reports for this year, you can order your credit reports directly from the credit bureaus for a fee. The bureaus all offer a three-in-one credit report that lists all three of your credit reports side-by-side. The three-in-one credit report costs more than a single credit report, but less than the combined price of purchasing your three individual credit reports.
From there, Credit Repair's experts work with credit companies to implement your plan, and then they verify with the credit bureaus to make sure that those changes actually take effect. You can track your progress through your personal online dashboard and a mobile app, where you'll also see your score tracker and analysis of the changes to your credit profile.
Credit repair is the process of disputing negative marks on credit reports to get them removed, which raises your credit score. Credit histories often contain inaccurate or invalid items that damage your score. If you check your credit and your score is lower than you anticipated, it could be because of incorrect information on your credit reports.
This provider offers a "performance-based refund policy": after you've been a client in good standing for 6 months, you can request a full evaluation of any progress they've made in repairing your credit. For every improvement or deletion they've made, eCreditAttorney will count it as a $95 value. If the total of monthly fees you've paid exceeds the value of $95 per improved/deleted item, you'll get a refund of the difference. Do the math, because that's not a fantastic deal: at $29/month, eCreditAttorney would only have to make two improvements or deletions over the course of 6 months to demonstrate adequate "performance".
Yes! Security is our top priority, and we built Credit Repair Cloud from the ground up to make sure your clients and data are secure. Client Data Protection is required by law and we use the same security encryption (256-bit) as banks. Your encrypted data is stored in a US data center that is SAS 70 (Sarbanes-Oxley) compliant, backed up daily and protected by armed guards. Learn more.
Before web-based credit repair software was introduced into the world of technology, credit repair software was downloaded through deliverable disks which were then loaded onto the computer. Many complications and setbacks arose while using the downloadable credit repair software method including its slow extinction in the technical world which made it next to impossible to be updated and kept secure. All of these issues were eliminated when the advancement took place to create a secure and efficient web-based credit repair software program known as SAAS (Software as a service
"When I called CreditRepair.com my credit was really bad from being young and not knowing the value of good credit and paying bills on-time. I started to research how to fix it and came across their website so I decided to call. My credit score when I called was a 513 and is now in the 650 range. They have gotten 32 out of 40 negative items removed and I couldn’t be happier. Hopefully when the last 8 are removed it will be over 720! That’s my goal!"
"My experience with CreditRepair.com is the best choice ever, I’m happy I am seeing good results on my credit report. I’m so happy debts are being removed from my credit. My score is rising daily, an I am receiving letters from the creditors that confirm the removals, I can’t believe it. All I had to do was become a member with CreditRepair.com, and let them handle everything. Customer service is awesome! Someone is always available to you, they contact me according to any alert to my credit, and I will recommend any one to join CreditRepair.com. The best results, thanks!"
"I must say we are pleased thus far with the work that your company is doing in our behalf. I’ll admit that initially I was very skeptical about using your company. But you are proving me wrong in a very good way. Can’t wait to see the end results. Having many folks on the sideline looking to see what happens next with us. Thank you for your hard work!"
While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.
It involves identifying questionable negative information on your credit reports and challenging the negative items in question. But, it can also require following up with the credit bureaus and to get the negative items from your credit reports removed. If you have been a victim of identity theft, it is highly likely that you have multiple accounts that need to be disputed.
Credit card consolidation - is it right for you? If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.
The services provided by The Credit People are as you'd expect with a credit repair service: disputes, inquiries, interventions and validations. We like that they focus their results not just on removing negative items from your credit history, but also specifically on improving your credit score - so that you can more easily qualify for a loan or be selected as a tenant for a rental. We also appreciate that their approach to working with their clients is "How can we help?" with situations like trying to get interest rates lowered or to get a referral letter, going above and beyond the issues associated with your credit report.
Easily import your client’s credit reports in seconds and the system will import contact information, address, credit scores, credit inquiries and itemize all the derogatory items, one-by-one, saving you hundreds of hours of data entry every month, minimizing human error. Create dispute letters in seconds using the “point and click” dispute letter creator which allows you to automatically customize dispute letters directly off of the credit reports.
"I don't usually believe in all I see on TV or listen in the radio but this credit repair is the truth, I was all by my self with no idea what to do, working 6 days per week and making good money but with an awful credit score. There were bums with better credit than me, until I came in contact with this wonderful CreditRepair.com. In just 2 months I started to see great results, thanks CreditRepair.com."
As one of our valued clients, you will have complimentary access to your very own Client Tracking Portal. Your personal Client Tracking Portal will allow you to track your results every step of the way so you’re never in the dark. We here at Great American Credit Repair pride ourselves on honest and dependable service from top to bottom. Let's get started, order your credit report NOW!.
"I’ve been with credit repair for 3 months and I’m truly amazed of what they have done by far. I still have some challenges but by far I’m impressed and satisfied as to what they have done now. I promised to be more responsible when this road is over and I’m so happy that I’m getting a second chance to prove I’m credit worthy instead of a flake. Thank you CreditRepair.com."
Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer’s web site where you can review the terms and conditions for your offer.
"To be 100% honest, right now I feel like I'm on the bottom of the totem pole. After talking with CreditRepair.com I feel so much better. Anybody could do this stuff but when you're working as much as I am, you don't have the time to do it, and it's just peace of mind throughout the day to know you are helping me and that eventually I'm going to overcome by bad credit situation."
MSI Credit Solutions assists clients with credit repair, restoration and credit building. MSI is fully bonded and offers services in English and Spanish. Their credit repair services can help you remove incorrect marks on your credit report, including items like late payments, collections, charge offs, repossessions, tax liens, judgments and bankruptcies.
Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?
"My credit score was 553 (poor) in September 2013. I had given up. I decided to try CreditRepair.com after hearing about it on the radio. The service is so awesome; the App is awesome. They began to systematically remove negative items from my credit report and challenge others. By December 2013 my credit score had risen over 100 points to 655 (good). I am so psyched about this and can’t wait to see what my score looks like over the next two to three months. I’m telling everyone about CreditRepair.com."
The Veracity site advertises that they're accredited by the Better Business Bureau. That may have been true in the past, but at the time of our review, this credit repair service was not accredited and actually had an "F" grade. Why? Company owners Daryl F. and Wendy M. Yurek were found guilty of tax evasion and bankruptcy fraud in 2017 and sentenced to serve time in jail.
Getting negative and inaccurate information off of your credit reports is one of the fastest ways to improve your score. Since credit bureaus have to respond and resolve a dispute within 30 days—a few exceptions can extend this to 45 days—it’s a short timeline. The timeline is particulary important when consumers want to buy a house, get a new car or open up a new credit card and don’t have time to wait to build good credit organically.
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