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Should You Use a Credit Repair Service?

Should You Use a Credit Repair Service?

You might be thinking about using a credit repair service if you’ve been working to raise your credit score. By contesting out-of-date or inaccurate information on your credit reports, following up on the outcomes, and keeping an eye out for recurrences of errors, these businesses hope to improve your credit.

There is no assurance that your credit score will be higher at the conclusion of credit repair, which can cost up to $100 per month and take many months.

Keep in mind that credit repair won’t be able to fix anything that you can’t fix on your own, and it won’t be able to erase inaccurate, timely, and verifiable negative notes from your credit reports.


Although there are reputable businesses offering credit repair services, the industry is also notorious for scams, so you should thoroughly investigate any business you’re thinking of using.

The Federal Trade Commission cautions consumers against employing credit repair businesses that make assurances about their ability to erase accurate negative information or that they can assist you in creating a new identity using a credit privacy number.

The Credit Repair Organizations Act compels businesses to give you a realistic estimate of expenses and a timeline for results. Additionally, you have three business days to renounce services free of charge.

In order to prevent further harm, a respectable organization should give you advice on how to manage your current credit accounts. A trustworthy business won’t also promise a specific outcome or prod you to lie.


Services that actually repair credit Search for inaccurate information on your credit reports and have it removed on your behalf. Many of them also make sure the data doesn’t surface again.

Credit reporting agencies have 30 days to look into disputes over information on your credit reports. They are not required to look into conflicts they perceive to be “frivolous,” nevertheless.


  • Accounts that are not yours.
  • Bankruptcy or other unrelated legal actions.
  • Misspellings might cause good entries to appear incorrectly or mix in negative entries that belong to someone with a similar name.
  • Old-fashioned red markers that should not be considered.
  • Unvalidated and unverifiable debts.


The cost of the credit restoration service is normally between $69 and $149 every month, and the procedure can take anywhere from a few months to a year. To start, you might also have to pay a setup charge.

Credit restoration services can come in tier-based packages, with higher tiers including additional services like credit monitoring or access to credit ratings.


Use to check your credit reports from the three main credit reporting bureaus, Experian, Equifax, and TransUnion. Through the end of 2023, you have free access to weekly credit reports from all three bureaus. then take these actions:

  • Directly dispute any mistakes on your credit reports with the credit reporting agencies. Each of the three bureaus has an online dispute procedure, which is frequently the quickest option to resolve an issue.
  • Search for information that is true but cannot be supported. Unverifiable information must be removed, although it may be added back if it is later verified. As an illustration, a debt owed to a retailer that is no longer in business might not be verifiable unless the retailer sold the obligation to a collection firm that can prove ownership.
  • Improve your payment record. The main aspect of your credit score that determines how well you handle payments on time is your track record. Missed payments may lower your rating.
  • Reduce the amount of credit you are using. Your credit usage ratio indicates how much of your available credit card limit you are currently using. Your score will benefit from a lower value. If you can, think about spreading out your payments throughout the billing cycle and using other techniques to reduce your credit usage.

It’s wise to have a plan for establishing and keeping your credit moving forward, whether you’re fixing your credit yourself or paying a business to do it for you.

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