Legitimate credit repair companies:
What affects my credit score?
Payment history
Paying your bills on time is the biggest factor in your credit scores and good credit scoring, avoiding credit issues. Even one mistake could cost over 100 points.
Credit utilization
This is how much debt from loans and charge you have based on your credit limit and payment history, reflecting your money management. You generally don’t want to go over 30%.
Credit length
The longer your average age of credit years, the better it is for loans, score improvement, and money management. You should not close old accounts for this reason.
Hard inquires
The fewer hard credit inquiries you have, the better. Soft inquiries will not affect your credit score.
Credit mix
It’s best to have many different types of credit accounts, including loans and cards, to diversify payments and protect against identity theft. Think things like a car loan, credit cards, mortgage, and other loans, which all involve debt, payments, and money etc.
Legitimate credit repair companies: How credit repair works
Our proven process could help you work to repair your credit
Analyze
We work with you to review your credit reports for questionable negative items, including late payments, collections, charge-offs, identity theft, reporting errors, and more.
Challenge and Dispute
We work with your creditors and the credit bureaus to verify your questionable negative items such as identity theft, late payments, and charge-offs as accurate, fair, and substantiated for our customers.
Monitor
We continue to monitor and watch your credit, addressing additional issues such as loans, payments, and charges as they arise so that you can stay on track and reach your credit goals.
- AnalyzeWe work with you to review your credit reports for questionable negative items, including late payments, collections and more.
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How long does it take?
Past members saw a 40 point average increase on their score in just 6 months
Over seventy percent of CreditRepair.com members saw a score increase after 6 months of using our services, including account review and debt management.
How many clients improved their score
Online reviews from our members
Previous
Quick, reliable and inexpensive service. I learned a lot about credit. This has helped me, with my improved credit score from bad credit to a good credit score, purchase a new vehicle with low rates.
DrReba R.
New York | March 2021
My credit score, thanks to the pros and offers on the website, has reached an all-time high since I first applied with the bureau. All my questionable negative items have been removed, improving my bad credit score to a good credit score, and I’m able to get the things I need in life for my credit repair needs.
Devon T.
Pennsylvania | October 2021
My experience with credit scores, credit history, and credit bureaus has been extremely excellent every time I call. I always get professional people With a wonderful attitude who truly want to help me with debt, credit cards through credit counseling, pros. Thank you CreditRepair.com.
Yvonne S.
New York | August 2021
Quick, reliable and inexpensive service. I learned a lot about business credit. This has helped me purchase a new vehicle with low rates.
DrReba R.
New York | March 2021
My credit score has reached an all-time high since I first applied. All my questionable negative items have been removed and I’m able to get the things I need in life.
Devon T.
Pennsylvania | October 2021
My experience has been extremely excellent every time I call. I always get professional people with a wonderful attitude who truly want to help me. Thank you CreditRepair.com.
Yvonne S.
New York | August 2021
Quick, reliable and inexpensive service. I learned a lot about credit. This has helped me purchase a new vehicle with low rates.
DrReba R.
New York | March 2021
My credit score has reached an all-time high since I first applied. All my questionable negative items have been removed and I’m able to get the things I need in life.
Devon T.
Pennsylvania | October 2021
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Info About Our Testimonials
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What you need to know about our testimonials
Testimonials from credit repair companies represent the results of the particular individual and you should not expect the same result. because your case is different than everyone else’s. CreditRepair.com promises only to communicate with creditors on your behalf and in your name, verify and repair report changes with bureaus, and provide you timely information from companies information about changes in your reports. Any credit score improvement seen after using our credit repair services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, and choosing the right repair companies. time, reducing or eliminating unnecessary inquiries, and developing appropriate types of credit repair companies, and sound financial planning.
CreditRepair.com has had 955,000 customers sign up with their services since 2012
How much could you save?
Use our simulator to see what savings could look like for your credit repair goals with companies.
Bad credit can save you
$0*
| Goals | Interest Rate | Monthly Payment | 30 Year Savings |
|---|---|---|---|
| Mortgage | 8.36% | $1,900 | $0 |
| Credit card | 22.99% | $58 | $0 |
| Auto loan | 15.11% | $697 | $0 |
| Personal loan | 21.0% | $1,810 | $0 |
| Apartment | N/A | Declined | Declined |
| Employment | N/A | Declined | Declined |
Assumptions: 30 year period with a $2,000 limit business credit card every month; $250,000 mortgage with a 30 year term; four 48 month car loans including repair; two $10,000 personal loans; and insurance every month.
*Based off of a FICO® 8 score
